Checking Accounts: Break Free From Fees, Earn More Every Day
At DFCU, checking isn’t just a place to park cash—it’s the hub of your financial routine. Every account here is truly free, layered with rewards, and backed by a community that shares your values.
First Choice Checking
You Pick the Perk
Why settle for one reward? First Choice lets you earn interest, cash back, or card-rewards points, just by meeting simple activity goals each month (like a direct deposit and 10 debit card swipes).
High Interest
Earn up to 1.00 % APY* on balances ≤ $10k.
Cash Back
Get 10¢ back on every debit purchase over $5 (max 40 per cycle)
Rewards Points
Rack up 1 point per dollar spent—redeem for travel, merch, or statement credit
Regular Checking
Classic, No‑Strings Banking
Need straightforward access to your money with zero hassle? Regular Checking keeps it simple:
$0 monthly fee
and no minimum balance—ever.
Free Visa® debit card
you can add to Apple Pay, Google Wallet, or Samsung Pay before leaving the branch.
30,000+ surcharge‑free ATMs
and 5,600 shared branches nationwide for cash, deposits, or payments.
Optional overdraft protection
from savings or a low‑cost line of credit.
Perfect for members who want a spending account with nothing extra to think about.
Student Checking
Built for Youth
An account for those under 30 that will grant you a $75 welcome gift card after your first 10 debit card swipes** as a thank-you for joining.
More Than a Bank
—A Financial Family
At Deseret First, you're more than an account number—you're part of a community that believes in purpose-driven banking.
Because we're member-owned, our profits come back to you as better rates and lower fees. Our team understands your priorities and offers guidance rooted in shared values. And when you need help, you'll always reach a real person—24/7.
Ready to Upgrade Your Everyday Banking?
Join 85,000+ members who enjoy fee-free checking, real rewards, and values-based service. Apply online in minutes—cards and mobile access are ready the same day.
Become a Member Today
Church members and immediate family members can join the credit union.
*Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $.01. Fees could reduce earnings.
**Offer valid for new Student Checking Accounts only. Limit one $75 bonus per member. To qualify, you must complete ten (10) debit transactions within the first 30 days of account opening. The $75 bonus will be deposited into the account within 30 days following the month in which the transaction requirements are met.