💵 Win $1,000* Open a Shield Elite Checking Account by Sunday to Enter our $1,000 Sweepstakes   Learn Now
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SHIELD CHECKING

3 tiers — up to a $1,321 value
Maximize your Membership this Holiday Season!
Open a Shield Elite Checking Account by December 15 and be entered to win $1,000.*
Elevated Banking
Choose Your Membership
Elite
$9.95/month
Maximum Savings and Protection.
  • BillShark Negotiation Services
  • Estate Planning
  • Financial Wellness
  • Discounted Pet Insurance
  • Auto and Personal Loan Discounts — 0.25% off 5
  • All features included in Advantage and Shield Checking account:
    • Nationwide Travel Savings
    • Entertainment Savings
    • Roadside Assistance
    • Cellphone Protection
    • Identity Theft Aid
    • Accidental Death Coverage
    • Buyer's Protection and Extended Warranty
    • Health Savings Card
    • Get paid early 4
Advantage
$5.95/month
Some Savings and Protection.
  • Nationwide Travel Savings
  • Entertainment Savings
  • Roadside Assistance
  • Cell Phone Protection
  • Identity Theft Aid
  • Accidental Death Coverage
  • Buyer's Protection and Extended Warranty
  • Health Savings Card
  • All features included in Shield Checking account:
Shield
$0.00/month
Your Standard Checking Account.
powered by
BaZing
Benefit
Shield Elite Value Proposition
Estimated Annual Value
Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Estimated Annual Value$75
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Estimated Annual Value$144
Cell Phone Protection 1, 2
Just pay your cell phone bill with your BaZing checking account, and you're covered
Estimated Annual Value$129
Personal Identity Theft Benefit 1, 2
Receive a reimbursement for covered expenses you incur to restore your identity, up to the maximum amount allowed for the product enrolled.
Estimated Annual Value$50
Credit Monitoring with Credit Report and Score and Fraud Resolution
You receive alerts if your monitored credit report has suspicious activity. View your quarterly credit report and score. Receive expert fraud resolution assistance should you become a victim of identity theft.
Estimated Annual Value$30
Accidental Death Coverage 2
You're automatically covered for accidental death should the unexpected happen.
Estimated Annual Value$36
Buyer's Protection and Extended Warranty 1, 2
Items are protected for up to $2,500 per item if theft or accidental breakage occurs.
Estimated Annual Value$180
Billshark
Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
Estimated Annual Value$240
Pet Insurance
Discounted pet insurance and savings on other pet care services and products.
Estimated Annual Value$155
Financial Wellness
Includes life and estate planning tools to protect you and your family, making it easy for you to protect the people, pets, and things that matter most.
Estimated Annual Value$150
Shop and Save Locally with DFCUDeal$
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.
Estimated Annual Value$72
Shop Online
Use BaZing to save with online retailers nationwide. Including discounts on hotels, attractions & retail stores.
Estimated Annual Value$60
Value Proposition for Shield Elite Checking with BaZing
$1,321
TOTAL ANNUAL VALUE
Decide Easier
Compare the Coverage
Phone Protection 1,2
Elite: Up to $1,200
Advantage: Up to $800
Identity Theft 1,2
Elite: $10,000 aid
Advantage: $5,000 aid
Accidental Death 2
Elite: Up to $25,000
Advantage: Up to $10,000
Buyer's Protection 1,2
Elite: 180 days, up to $2,500
Advantage: 180 days, up to $2,500
Disclosures
Value proposition for Shield Elite Checking with Bazing: $1,321.00. Total annual cost ($9.95/month) = $119.40. Total net annual value = $1,201.60.
1
Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. Participating merchants on DFCUDeal$, in partnership with BaZing, are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
2
Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY DFCU.
3
Additional activation is required.
4
Early payroll in to your DFCU Shield Checking account is not guaranteed. DFCU has to receive the payroll funds from the employer in a timely manner to ensure receiving payroll early.
5
Loan Discount only valid if member holds a Shield Elite Checking Account Membership with DFCU in good standing at the time of funding.
6
U.S. checking account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks, are wholly owned by Early Warning Services, LLC and are used herein under license.
DFCU Shield Checking Benefits Disclosures

* No purchase or obligation is necessary to enter or win. $1,000 Sweepstakes (“Sweeps”) is open only to U.S. residents. Entry into the Sweeps is automatic when you open a new Shield Elite Checking Account (“Qualifying Accounts”) and set up direct deposit of $300 or more to this account between 11/15/2024 and 12/15/2024 (“Promo Period”). Must be a member in good standing in order to be eligible and/or to win. Only Shield Elite Checking Accounts opened during the Promo Period, qualify toward the $1,000 minimum. One entry per account. Existing Shield Elite Checking accounts, or other DFCU Checking Accounts do not qualify. Non-Member Entries: To enter without having the Qualifying Accounts, purchase or obligation A) by mail, hand-print your name, address, city, state/province/territory, ZIP or postal code, email address, and daytime telephone number (including area code) on a 3” x 5” card, and mail, with sufficient postage affixed, to: DFCU Sweeps, 8237 3rd Street, Downey, CA, 90241 or B) in person, deliver the 3” x 5” card to 8237 3rd Street, Downey, CA, 90241, any time during DFCU business hours, during the Promo Period. Only one entry per participant will be permitted. One winner will be randomly selected to receive a $1,000 cash prize to be paid out no later than 12/31/2024. Shield Elite Checking account holders will receive the prize through a deposit directly into their account. Odds of winning depend on the total number of eligible entries received. Additional terms and conditions may apply. The credit union reserves the right to modify or terminate the promotion at any time without notice. DFCU employees, Board members and volunteers are not eligible to win. Visit www.downeyfcu.org for full disclosures.