All DEXSTA Offices will be closed on Monday, November 11th, 2024 in Observance of Veterans Day.

Checking and Share Draft

Don’t keep paying the costly fees from banks and other financial institutions. DEXSTA offers free Checking and Share Draft accounts with features you can’t find anywhere else.

share draft, banker with member

Share Draft

A share draft account is a liquid account at a credit union that allows you to make frequent payments and withdrawals. Share draft accounts are essentially the same as checking accounts at banks—the only difference is that a “share” account is at a credit union instead of a bank.

  • No minimum balance requirement
  • No monthly service charge
  • No per-check fee
  • Free overdraft protection*
  • No-fee VISA check card
  • Online check imaging
  • 24 hour access
  • Earns a dividend (interest) based on your balance

Free Kasasa Cash Back®

Earn cash back for going shopping.

Ditch the fees and earn cash back with DEXSTA's Kasasa Cash Back Checking! Get rewarded for your everyday spending. Open your account in minutes at any of our locations.

  • Pays 3.00% cash back on debit card purchases**
  • No purchase category restrictions
  • Refunds on ATM fees, nationwide (up to $25 per month)**
  • Linked to free Kasasa Saver
  • No monthly service fee, no minimum deposit to open, and no minimum balance to earn rewards
  • Free online banking, mobile banking, and eStatements
  • Unlimited check writing
share draft page, woman clothing shopping

Free Kasasa Cash®

Earn high rates and refunds on ATM fees.

Don’t miss out on the opportunity to earn rewards while simply carrying out your everyday banking basics with a free Kasasa Cash checking account. 

  • Free checking that pays high dividends
  • 2.02% APY on balances up to $10,000
  • 2.02% to 0.27% APY on balances over $10,000 based on account balance
  • 0.05% APY if monthly qualifications aren’t met
  • Refunds on ATM fees, nationwide (up to $25 per month)
  • Linked to free Kasasa Saver
  • No monthly service fee, no minimum deposit to open, and no minimum balance to earn rewards
  • Free online banking, mobile banking, and eStatements
  • Unlimited check writing

*Your first three automated overdraft protection transfers from your savings/share account are free each month. After the first three automated transfers, there will be a $5.00 fee per automated transfer.

**APY=Annual Percentage Yield. APY is accurate as of 11/01/2022. Rates may change after account is opened. For Kasasa Cash Back, if qualifications are met each monthly qualification cycle 3.00% cash back on up to a total of $200 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per monthly qualification cycle. Fee Refunds: you will receive reimbursements up to $25 for nationwide ATM fees incurred during the Monthly Qualification Cycle for which you have qualified. Transactions may take one or more business days from the date the transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per social security number. Please speak with a DEXSTA team member for complete details.

†APY=Annual Percentage Yield. APY is accurate as of 6/01/2023. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to your account on the last day of monthly statement cycle. Balances up to $10,000 receive APY of 2.02%; and balances over $10,000 earn 0.10% dividend rate on the portion of the balance over $10,000, resulting in 0.27% to 2.02% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more business days from the date the transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to your account each statement cycle and do not compound. Actual dividends amount paid may be less than advertised Kasasa Cash APY. Transfers between accounts do not count as qualifying transactions. Limit one account per social security number. Please speak with a DEXSTA team member for complete details.

Earning Rewards is Easy

Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following each monthly qualification cycle:

Complete 12 debit card purchases
Log in to your DEXSTA account
Agree to receive eStatements

And if you don’t meet these qualifications, don’t stress.
Your Kasasa accounts are still free. And you can get right back to earning your full rewards the very next cycle that you qualify.

Take It From Our Members

See what DEXSTA Federal Credit Union members are saying about their experience. Discover how our commitment to exceptional service and financial wellness makes a real difference.

I have been with DEXSTA for over 30 years. They have excellent customer service and the loan process was quick and seamless. I would use this credit union for all my financial needs.

DIANA

I've had nothing but great experiences with DEXSTA. I opened a savings account when I moved to Delaware and I liked the fact that I only needed $5 in the account to keep it open. As a broke college student, this was very appealing. As I advanced in my career, I got a personal loan from DEXSTA to consolidate my credit cards. The loan process was simple and the representative was very friendly.

GREG S.

Back in the day when I needed help, DEXSTA was there for me. Now that I'm retired, they're still there for me after 40 years of membership.

PATRICK B.

I've had a savings account with DEXSTA Federal Credit Union for over ten years now. Their rates are fair and competitive. The employees are really nice as well. I have been considering investing my savings, and rather than trying to sell me stuff, they told me my options, the pros and the cons, and what might be best for someone like me.

MICHELLE

I have been an account holder with DEXSTA since before it was opened to the public, and all I can say is it has always been an amazing bank. They are excellent in catching fraud—I often receive calls from them when traveling to verify the purchases are my own and they will put your card on hold if they can not verify.

COLEY L.

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