Checking Accounts

Home/Checking Accounts

Checking Accounts

Make Your Life Easier, More Convenient

Enjoy powerful features with every eligible Diamond Valley Federal Credit Union checking account. 

At DVFCU, we’re all about making everyday banking simple, secure, and rewarding. Every eligible checking account gives you access to these valuable benefits—at no additional cost: 

Included Features: 

  • FREE Visa® Check Card* – Instant access for purchases and ATM withdrawals 
  • FREE Online Banking – Secure account access anytime, anywhere 
  • FREE Online Bill Pay – Simplify how you pay bills, right from your account 
  • FREE Money Management Tools – Track spending, set goals, and stay on budget 
  • FREE Online Check Images – View cleared checks for record-keeping ease 
  • FREE 24-Hour Telephone Banking – Quick account updates by phone, day or night 
  • FREE & Easy Switch Kit – Move your account to DVFCU with step-by-step support 
  • FREE Mobile Banking – Manage your finances on the go with the DVFCU app 
  • FREE Mobile Check Deposit – Deposit checks from your phone, anytime 
  • Access to Diamond Rewards – Earn points for purchases and redeem for perks 
Mobile Check Deposit is available through the DVFCU app. Visa® Check Card availability may vary based on eligibility criteria. 
Fresh Start Checking
Fresh Start Checking

Everyone deserves a second chance. Fresh Start Checking offers all the essential features of a traditional checking account—plus, it’s specially designed to help individuals reestablish their financial footing. If past credit challenges have stood in your way, this account could be your fresh beginning. All the basics. A new opportunity. Stop by today and take the first step toward financial confidence! 

Free Classic Checking

Freedom from the fine print. Free Classic Checking gives you all the essentials—without the hassle of monthly fees or minimum balance requirements. No minimums. No monthly fees. Just simple, straightforward checking—because banking should be easy. 

Dividends Plus Checking

Imagine a checking account that gives you incredible benefits, plus dividends! That’s the idea behind Dividends Plus Checking. If you tend to keep a higher balance in your checking account and want your money to grow, this account is a great fit for you! Account balances are tiered to pay higher dividends on higher balances of $1,000 or more. 

Young At Heart Club

At Diamond Valley Federal Credit Union, age comes with perks. The Young At Heart Club is our way of celebrating members 55 and older—with exclusive benefits and discounts designed to make everyday banking a little sweeter. 

  • Automatically enrolled at age 55.  
  • FREE Basic Checks (non-duplicate style).  
  • FREE Cashier’s Check (one per day).  
  • 20% Annual Discount on one Safe Deposit Box 

Because experience deserves rewards. 

Business Checking

Flexible, fee-friendly, and built for growth—Diamond Valley’s Business Checking gives you more control and fewer costs. Plus, it does what many accounts don’t:  

  • Earns dividends on balances of $1,000 or more  
  • Minimizes fees   
  • Delivers the personalized service your business deserves 

Because your business isn’t one-size-fits-all—and your checking account shouldn’t be either. 

Not Yet a Member?

Open Your New Account Online Now! 

Open a new checking/savings account online in about 10 minutes! You will need your social security number, a valid government issued ID, and the routing/account number of a current account to fund your new Diamond Valley Account! 

Already a Diamond Valley member?

Give us a call at (812) 425-5152 or visit any branch to open an additional checking or savings account. 

Quick. Simple. Secure. Your Diamond Valley journey starts here. 

Opt-In for Overdraft Privilege
Life happens—we’ve got your back. Overdraft Privilege is available on eligible accounts after 60 days to help cover unexpected shortfalls and protect your transactions.  Avoid declined payments and merchant fees. Protect your credit and reputation. No annual fee, no interest—coverage up to $500  To meet new regulations, coverage for ATM and everyday debit card purchases requires your opt-in. Choose the method that works best for you: 
  • Call us at (812) 425-5152

Reminder: Overdrafts must be repaid with a positive balance for at least 24 hours every 30 days.  
Courtesy fee for nonsufficient funds $30.00 per item
Looking for Additional Checking Account Information?
You get these benefits with any eligible Diamond Valley Federal Credit Union checking account.   [/col] [col tablet=”5″ desktop=”5″ wide=”5″ different_values=”0″ text_align=”center”] [image fid=”1395″ img_rounded=”0″ type=”caption” zoom=”0″ link=”https://diamondvalleyfcu.org/content/dvfcu-app” different_values=”0″ image_style=”large” caption=”Mobile Check Deposit available with the DVFCU App!”] [/col] [/row] [accordions multi_collapse=”1″ different_values=”0″] [accordion active=”1″ color=”panel-info” title=”Fresh Start Checking” different_values=”0″] [title title=”Fresh Start Checking” underline=”1″ different_values=”0″ type=”h2″] [/title] [row different_values=”0″] [col desktop=”9″ wide=”9″ different_values=”0″ tablet=”9″ style_margin_bottom=”10px”] Fresh Start Checking has all the basic features of a regular checking account, but is designed for individuals who want to rebuild their financial record. If you’ve been turned down for checking accounts due to credit problems, Fresh Start Checking may be able to give you that second chance you need. Stop in to apply today! [/col] [col tablet=”3″ desktop=”3″ wide=”3″ different_values=”0″ text_align=”center”] [image fid=”978″ img_rounded=”0″ zoom=”0″ different_values=”0″ text_align=”center” type=”caption”] [/col] [/row] [/accordion] [accordion active=”0″ color=”panel-info” title=”Free Classic Checking” different_values=”0″] [title title=”Free Classic Checking” underline=”1″ different_values=”0″ type=”h2″] [/title] [row different_values=”0″] [col desktop=”9″ wide=”9″ different_values=”0″ tablet=”9″ style_margin_bottom=”10px”] If you don’t want to keep a minimum balance in your checking account, then Free Classic Checking could be the account for you. With Free Classic Checking, you’re free of minimum balance requirements. And of course, there’s no monthly service fee. Like we said, it’s free! [/col] [col tablet=”3″ desktop=”3″ wide=”3″ different_values=”0″ text_align=”center”] [image fid=”979″ img_rounded=”0″ zoom=”0″ text_align=”center” different_values=”0″ type=”caption”] [/col] [/row] [/accordion] [accordion active=”0″ color=”panel-info” title=”Dividends Plus Checking” different_values=”0″] [title title=”Dividends Plus Checking” underline=”1″ different_values=”0″ type=”h2″] [/title] [row different_values=”0″] [col desktop=”9″ wide=”9″ different_values=”0″ tablet=”9″ style_margin_bottom=”10px”] Imagine a checking account that gives you incredible benefits, plus dividends! That’s the idea behind Dividends Plus Checking. If you tend to keep a higher balance in your checking account and want your money to grow, this account is a great fit for you! Account balances are tiered to pay higher dividends on higher balances of $1,000 or more. [button color_type=”0″ color=”btn-info” text=”View Dividend Rates and Account Minimums” new_tab=”0″ different_values=”0″ link=”content/savings-rates” type=”default”] [/button] [/col] [col tablet=”3″ desktop=”3″ wide=”3″ different_values=”0″ text_align=”center”] [image fid=”980″ img_rounded=”0″ zoom=”0″ text_align=”center” different_values=”0″ type=”caption”] [/col] [/row] [/accordion] [accordion active=”0″ color=”panel-info” title=”Young At Heart Club” different_values=”0″] [title title=”Young At Heart Club” underline=”1″ different_values=”0″ type=”h2″] [/title] [row different_values=”0″] [col desktop=”9″ wide=”9″ different_values=”0″ tablet=”9″ style_margin_bottom=”10px”] Diamond Valley Federal Credit Union’s Young At Heart Club caters to members 55 and older by offering special incentives and discounts! Current members of Diamond Valley Federal Credit Union will be automatically enrolled into the Young At Heart Club when they turn 55. Eligible Members Receive:
  • FREE Basic Checks (non-duplicate style only)
  • FREE Cashiers Checks (one per day)
  • A 20% Annual Discount on One Safe Deposit Box
[/col] [col tablet=”3″ desktop=”3″ wide=”3″ different_values=”0″ text_align=”center”] [image fid=”1420″ img_rounded=”0″ zoom=”0″ text_align=”center” different_values=”0″ type=”caption”] [/col] [/row] [/accordion] [accordion active=”0″ color=”panel-info” title=”Business Checking” different_values=”0″] [title title=”Business Checking” underline=”1″ different_values=”0″ type=”h2″] [/title] [row different_values=”0″] [col desktop=”9″ wide=”9″ different_values=”0″ tablet=”9″ style_margin_bottom=”10px”] Our Business Checking account is designed to give you more freedom, fewer fees, and the personal service you deserve. Plus, your money works for you. Unlike many other financial institutions, our Business Checking account earns dividends on balances of $1,000 or more! [button color_type=”0″ color=”btn-info” text=”View Dividend Rates and Account Minimums” new_tab=”0″ different_values=”0″ link=”content/savings-rates” type=”default”] [/button] [/col] [col tablet=”3″ desktop=”3″ wide=”3″ text_align=”center” different_values=”0″] [image fid=”981″ img_rounded=”0″ zoom=”0″ text_align=”center” different_values=”0″ type=”caption”] [/col] [/row] [/accordion] [/accordions] [image fid=”2451″ img_rounded=”0″ type=”title_overlay” zoom=”0″ link=”https://diamondvalleyfcu.originate.fiservapps.com/t*L29vYntzzodK2″ different_values=”0″] [row different_values=”0″] [col desktop=”7″ wide=”6″ different_values=”0″] [title title=”Opt-In for Overdraft Privilege” underline=”1″ different_values=”0″ type=”h2″] [/title] We are excited to inform you that as an added convenience, Overdraft Privilege is now available with all eligible accounts, after 60 days. However, due to new regulatory requirements, this added convenience will only be available to you if you notify us that you wish to receive the service for your ATM and everyday debit card transactions. With Overdraft Privilege, you may avoid the embarrassment of returned items and the inconvenience of merchant fees. Best of all, your reputation and your credit are safer. There is no annual fee and no interest charged for this service, and overdrafts may be covered up to $500. You must bring your account balance to a positive balance within every 30-day period for a minimum of 24 hours. If you want Overdraft Privilege to apply to your ATM and everyday debit card transactions you can choose from the following options:
  • Calling us at 812-425-5152 *Easiest Way*
  • Print and complete the opt-in form and mail it back to us
  • Faxing the completed opt-in form to us at 812-421-4848
  • Or, by bringing it by one of our convenient branch locations
Courtesy Fee for Nonsufficient Funds $30.00 Each
[/col] [col desktop=”5″ wide=”6″ different_values=”0″] [title title=”Looking for Additional Checking Account Information?” underline=”1″ different_values=”0″ type=”h2″] [/title]

[/col] [/row] [/container]

You are now leaving Diamond Valley FCU


Diamond Valley FCU provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Diamond Valley FCU, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL