Regular Checking


Simple and seamless

Let’s not complicate things

It may be a regular checking account, but does that make it run-of-the mill? No way! When you open a checking account with DFCU, you gain access to our network of nearly 30,000 ATMs. Did we mention those are fee-free too? That’s right! Thanks to the CO-OP network, you get access to ATMs nationwide. Not to mention, thousands of CO-OP Shared Branch℠ locations as well!

Benefits include:

  • no annual or maintenance fees
  • no monthly minimum balance
  • free debit card at sign up
  • overdraft protection options
Start Application
making an online payment with debit card

Overdraft Options


Life comes with challenges. That’s why we offer two different versions of our overdraft program: Overdraft Line of Credit and Courtesy Pay. We realize this might be confusing sometimes. So we decided to lay it out for you. This puts you in charge to choose what’s convenient for you.

Courtesy Pay Disclosure
Overdraft Comparison Chart
FeatureOverdraft LOCCourtesy Pay
Requires loan application
Maximum credit based on account type
Maximum credit based on your income
Interest applies to balance
Balance calculated daily
Fee for each transaction

Ordering Checks


Ordering for the first time?

If you’ve never had checks for your Deseret First account before, you’ll need to talk to a Member Services Rep. You can contact us through Online Banking, over the phone, or at a branch. You’ll need to verify your information for us and we can help you.

Login to online banking now, find a location near you, or give us a call: 801-456-7000 or 800-326-3328. Available by phone Mon–Fri: 8am–7pm, Sat: 9am–2pm.

To Re-order Checks

If you have already made arrangements for checks with DFCU, you can order directly through Harland Clarke.

Visit Harland Clarke
woman using a computer to reorder checks for a member

Choose your checking and love it!

I’m ready to apply