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First Choice


Checking Accounts that fit you

Choose Your Own

Finances might not be an adventure, but each of our options has a good ending. With Deseret First, you can choose the checking account that fits your lifestyle. We offer multiple options with an array of perks — check out the comparison chart for an overview!

Want to figure out which account would benefit you the most? Use our First Choice calculator to get a true comparison.

Kick-start Your Benefits
Checking Options Comparison
 Cash BackInterestPlatinum RewardsPlatinum
Debit Card
Credit Card*
No Min. Balance
Free Account
Online Bill Pay
Fraud Protection
ID Theft Protection
Account APY**0.00%1.00%1.00%2.00%
Individual Benefit10¢ / transaction over $5, up to 40 transactionsATM refunds, up to $25 / month1 reward point every $1 spentHigher APY on account balance

*On Approved Credit. **Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $.01. Fees could reduce earnings. See account requirements for details on how to achieve the individual benefit for each account.Additional products and rates are listed here.

Maximize Your Benefits


Find which account fits you and your spending style

First Choice Calculator

Make the most of your money by selecting the right checking account option for you! Don't know which option is best? No worries, we've got you covered. Input your information into the calculator then check the results to find what is best for you!


This calculator is an estimate only. Rates, account balances, and transactions will affect actual results. Points earned with the Platinum Rewards card may be redeemed for cash back or other cash equivalent items of value. Credit cards available on approved credit.

Account Requirements


woman using her debit card to make a purchase

You’ll need:

  • a Membership Savings Account
  • 1 or more payroll/retirement direct deposit transactions per month
  • a valid email address
  • eStatement enrollment
  • 10 or more debit/credit card purchases posted & cleared per month

To qualify for identity theft protection, a credit card must have been used in the last 90 days. In order to qualify for rewards on a First Choice Checking Account, all requirements, including required transactions, must be completed and posted to the account within the monthly qualification cycle dates. The monthly qualification cycle dates are as follows and are subject to change without notice.

Apply online today! For questions or to apply directly with a representative, call 801-456-7000 or 800-326-3328. Available weekdays: 8am–7pm, Sat: 9am–2pm. Additionally, you may visit any Deseret First Branch.

Monthly Qualification Cycles
MonthBegin DateEnd Date
January01/01/1901/31/19
February02/01/1902/28/19
March03/01/1903/30/19
April03/31/1904/30/19
May05/01/1905/31/19
June06/01/1906/29/19
July06/30/1907/31/19
August08/01/1908/31/19
September09/01/1909/30/19
October10/01/1910/31/19
November11/01/1911/30/19
December12/01/1912/31/19

Choose your checking and love it!

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