Having a checking account transaction declined due to insufficient funds can be costly and inconvenient. An Overdraft Line of Credit is a special service for Deseret First members who qualify.

How it works

  • An Overdraft Line of Credit is essentially an emergency loan to cover overspending in a checking account.
  • If an overdraft occurs, an advance is transferred from the line of credit to checking. Interest will accrue on the amount(s) advanced.
  • Monthly payments are required for line of credit balances.


  • Monitors the checking regularly to make sure a positive balance is maintained.
  • Avoid being denied purchases at the register.
  • Avoid unnecessary merchant fees.
  • Avoid bounced checks.
  • Avoid automatic payment declines (bills, utilities, etc.).


  • Deseret First Checking Account.
  • Credit approval.
Apply Now
For questions or to apply, call 801-456-7000 or 1-800-326-3328, M-F, 9 am-7pm, Sat. 9-2pm, or visit a Deseret First Branch

visa credit cards that pay you

Deseret First has Visa Credit Card options that put money back in your wallet.
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our free mobile app is here

The Deseret First mobile app allows access to your accounts anytime, anywhere. Check balances, transfer funds, or deposit a check!
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