COVID-19 Update

Coronavirus Updates

FAQs on COVID-19 Economic Impact Payments (stimulus payments)

Below you’ll find a list of some general questions people have about their stimulus payments.

On Friday, April 10, the IRS issued 75 million economic impact payments by direct deposit to qualified Americans with the funds to be available on April 15. Additional electronic payments will be release throughout April.

These payments are based on 2018 and 2019 tax filings Individuals who did not file for electronic returns for 2018 or 2019 filings will not receive direct deposit payments via ACH. Instead, these qualified individuals will receive payment by check in the mail in the coming weeks.

The Treasury is working on a web-based portal for individuals to provide their banking information to the IRS online, so that individuals can receive payments immediately as opposed to the mail. When ready, it can be accessed through

Yes. The IRS will use the information on the Form SSA-1099 or Form RRB-1099 to generate Economic Impact Payments to recipients of benefits reflected in the Form SSA-1099 or Form RRB-1099 who are not required to file a tax return and did not file a return for 2018 or 2019. This includes senior citizens, Social Security recipients and railroad retirees who are not otherwise required to file a tax return.

Those who have not filed 2018-19 taxes can use the IRS portal to designate a direct deposit account at

For security reasons, the IRS plans to mail a letter about the economic impact payment to the taxpayer’s last known address within 15 days after the payment is paid. The letter will provide information on how the payment was made and how to report any failure to receive the payment. If a taxpayer is unsure, they’re receiving a legitimate letter, the IRS urges taxpayers to visit first to protect against scam artists.

**Important: Letters sent by the IRS confirming payment will be the only way the IRS will contact eligible persons. The IRS will never contact you by phone to ask for personal information

What DFCU is Doing to Help:

The payment will appear in your account history and on your statement as a tax refund.

We will look to see if the payee has a similar role on another account that is open with DFCU and will deposit the money to the open account.

If an account is not found with the payee’s name and similar role to the closed account, the direct deposit will be returned to the IRS.

Information regarding stimulus payments is still being updated. For the most current information refer the IRS website at

Member Assistance

Our members are our why – this is how we’re there for you

In these uncertain times, we recognize the struggles that our members are facing. During the current COVID-19 pandemic and subsequent social distancing, the team at Deseret First realizes that some of our members are impacted by a loss of a job or even reduction of hours that impact them from a financial standpoint.

Because of this, DFCU has taken steps to offer different options to assist our members:


With any eligible Deseret First loan, you can now skip your payments up to two times within a 12 month period.

During times of both good and bad, here at DFCU, we want to help you any way we can; that’s why we believe this is a service that can help when you most need it. Finally, as a member of DFCU, there are no fees associated with these skips and they can be in consecutive months.

To Skip-A-Pay, simply do so through Online Banking or the Mobile App.

Learn More

Member Assistance Program

  1. You can apply for an overdraft line of credit or temporarily (or permanently if you qualify) increase your overdraft line of credit for 120 days in the amount of two months’ net income. Please note that if the situation extends past 120 days, we will be more than willing to work with you on a case-by-case basis. If the loan is paid in full in 120 days, the interest in this option is reimbursed.
  2. You can apply for a signature loan in the amount of 2 months’ net income up to 36-month term, 180 days to the first payment for qualifying credit scores. If your loan paid back in full before 1st payment, interest is waived.

For each option, you must provide evidence of furlough, a temporary layoff from a recent employer or current employment in a highly impacted industry. The ability to repay is based on income prior to the furlough or hardship. Terms and conditions apply.

If you need to take advantage of either or both of these options, give our team a call at 801.456.7590 or click below to apply.

Apply for Member Assistance Options

Coronavirus COVID-19 Update

Coronavirus continues to affect those all over the world. Here at Deseret First Credit Union, we’re continually monitoring the situation as it develops. The safety and security of our members and employees are always of the utmost importance, but none so more than the current time.

You can count on DFCU to continue to provide you the level of service you have come to expect throughout this challenging time. Right now we are operating mainly through our drive-up windows and our lobbies are closed. Visit our locations page to find your nearest drive-up location.

If your needs cannot be accommodated through the drive-thru, you can call to schedule an appointment with your branch through our contact center. Our contact center will remain open and can also assist you with your accounts, payments, credit cards, transfers, etc. You can reach them at 801.456.7000 or toll-free at 800.326.3328.

We also want you to have confidence that you can bank virtually anywhere, anytime with the DFCU Mobile App, DFCU CardHub and Online Banking at

If you haven’t already:

Download the DFCU Mobile App

Apple devices— download on the App Store
DFCU icon app

Download the DFCU Card Hub App

Apple devices— download on the App Store

With these apps you’ll be able to:

Access Your Accounts

See transactions, balances and routing numbers. If you can do it in Online Banking, you can do it on the DFCU Mobile App.

Make Payments and Pay Bills

Pay your credit cards, loans, and other bills. You can even set up reoccurring payments with DFCU’s automatic bill pay feature.

Deposit Checks

Need to deposit a check? Through our mobile app, all you need to do is take a picture and we will deposit the money into your account.

Transfer Funds

Move money between accounts and even to other DFCU member’s accounts.

Manage Your Card

With CardHub you’ll be in real-time command of your debit and credit cards. You can make choices about how, when, and where your cards work.

Update Your Account

Make sure we can stay in touch with your preferred email address and phone number. Within online banking and our mobile app safely and securely update this information

We are here to help

Your financial security and stability are of the utmost importance to us. As a reminder, your funds continue to be insured by the NCUA. DFCU has implemented a pandemic plan and will stay operational for all your banking needs. Our call center and branch staff are ready and available to assist you. In the meantime, we’ve ensured that our branches, including ATM screens and keypads, are cleaned daily with disinfectants. Find a branch or ATM near you.

If we reach out to you, we won’t ask for confidential information such as your name, password, personal identification number (PIN), or other account information. See the Federal Trade Commission’s advice for consumers to protect yourself from scams.

For the latest information about coronavirus, visit the CDC’s resource center.

COVID-19 Scams Update

The FBI’s Internet Crime Complaint Center (IC3) issued an alert warning of coronavirus-related phishing, particularly surrounding economic stimulus checks. The news that the US government is likely to send upwards of $1,000 to most Americans has created a golden opportunity for scammers, especially since the delivery method for the cash is still uncertain.

“Look out for phishing emails asking you to verify your personal information in order to receive an economic stimulus check from the government,” the FBI says. “While talk of economic stimulus checks has been in the news cycle, government agencies are not sending unsolicited emails seeking your private information in order to send you money.” The statement also cautions people to watch out for offers of counterfeit medical products, including fake vaccines and testing kits.

“Be cautious of anyone selling products that claim to prevent, treat, diagnose, or cure COVID-19,” the Bureau says. “Be alert to counterfeit products such as sanitizing products and Personal Protective Equipment (PPE), including N95 respirator masks, goggles, full face shields, protective gowns, and gloves.”

Coronavirus-related fraud has skyrocketed, and we’ve covered many examples of it in the past few weeks. The FBI says to be wary of this trend when you seek information about the topic online.

Scammers are leveraging the COVID-19 pandemic to steal your money, your personal information, or both.

Protect yourself and do your research before clicking on links purporting to provide information on the virus; donating to a charity online or through social media; contributing to a crowdfunding campaign; purchasing products online; or giving up your personal information in order to receive money or other benefits.

Users can avoid falling for these scams by sticking to some basic best practices, such as being wary of email links and attachments, and not providing personal or financial data in response to unsolicited emails or phone calls. However, being aware of current trends in phishing attacks can increase your chances of recognizing these scams, since you’ll be on high alert whenever you see a coronavirus-related email.

COVID-19 Branch Lobby Update

Letter from the CEO


Protecting our employees, members, and your financial security during these unprecedented times is our top priority. In response to the White House recommendation of limiting gatherings of 10 or more and the CDC’s guidance on social distancing, we have decided to close our branch lobbies and operate primarily through our drive-up windows beginning Friday, March 20, 2020.

Our drive-up windows will remain open and staffed to meet member needs. Drive-up hours will stay the same; please visit for branch hours. Our Operations Center lobby will be closed to the public and does not have a drive-up option. Our Taylorsville and Provo branches also do not have a traditional drive-up window, but video tellers are available through the ATMs on site. Visit our locations page to find your nearest drive-up location.

If your needs cannot be accommodated through the drive-thru, you can call to schedule an appointment with your branch through our contact center. Our contact center will remain open and can also assist you with your accounts, payments, credit cards, transfers, etc. You can reach them at 801.456.7000 or toll-free at 800.326.3328.

With many of us staying home during this time, I encourage you to use the technology options that we have in place for mobile and online banking. Through our mobile app and online banking, you can access your accounts, make payments, transfer funds, deposit checks, and perform many of your banking needs from home.

If you have COVID-19 or are affected by the economic aftermath and need help with your accounts or payments, we are here to help. With our Skip-A-Pay Program, you can skip a monthly payment. This is a great option to help relieve the financial pressure COVID-19 may put on you. With historically low rates, you can open up a new line of credit with a HELOC, credit card, or an overdraft line of credit. Whatever your situation might be, we are here to help you. Please reach out to our contact center if you need assistance.

As we try to slow the spread of COVID-19 by avoiding cash transactions, all of our electronic services are still fully functional. As a reminder, your funds continue to be insured by the NCUA.

We are committed to keeping you informed as the situation evolves and will continue to give you periodic updates as we move forward. To stay informed with live updates please visit our COVID-19 updates page. Thank you for being a valued member and trusting us to be your financial partner.

Shane C London

President and CEO