Business Banking: Bank Where Your Business Will Thrive
Deseret First delivers truly fee‑free business accounts, nationwide digital tools, and Utah‑based specialists who grasp everything from payroll cycles to budgeting. Keep overhead low, earnings high, and accountability crystal‑clear—so you can focus on the work that matters most.
Business Checking
Checking That Works as Hard as You
Daily transactions shouldn’t chip away at donations or employee bonuses. Our Business Checking keeps every dollar mission-focused by eliminating common banking fees.
Why members love it: No monthly maintenance fees means more money stays in your business, giving you more to invest in growth, your team, or what matters most.
$0 monthly maintenance fee
No minimum balance and no nickel‑and‑diming for "excess" transactions.
Instant‑issue business debit cards
With CardHub controls for proactive card and limit management.
Remote deposit & mobile app
Customer payments without leaving the office.
Business BillPay
Send secure check and e-payments.
Business Savings
Secure Reserves, Earn Dividends, Sleep Better
A healthy reserve account is the foundation of a strong organization. DFCU Business Savings pairs competitive dividends with convenient access, helping your money work harder while staying available when you need it.
Open your account with just $5 and benefit from tiered dividend rates that reward higher balances. Deposits are federally insured up to $250,000 per tax ID, giving you confidence that your business savings are protected.
Link your savings to your business checking account for added flexibility and cash flow management. Whether you’re building payroll reserves, planning for expansion, or preparing for unexpected expenses, your funds remain secure and within reach.
Business Certificates
Lock In Higher Returns for Long‑Term Goals
When your business has funds earmarked for future projects, Business Share Certificates offer fixed, competitive returns that help your savings grow without the uncertainty of market fluctuations.
Choose terms from 3 to 60 months, or consider laddering multiple certificates with different maturity dates to balance access to your funds while maximizing earnings. Start with a $500 minimum deposit and choose whether to reinvest dividends for greater long-term growth or have them transferred monthly to your business checking account.
It’s a smart, stable way to prepare for equipment purchases, expansion, remodels, or other planned investments.
Optional Money Market
Earn More Without Losing Flexibility
If your balance regularly tops $25,000 but you still need quick access, a Business Money Market bridges the gap between checking convenience and certificate‑level dividends.
Tiered rates that climb with balance milestones.
Perfect parking spot for quarterly tax remittances or seasonal deposit surges.
Meet Our Team
At Deseret First, we partner with purpose-driven organizations across Utah and beyond. As a member-owned credit union, our profits are returned to members through better rates, lower fees, and personalized service. When your business needs answers, you won’t navigate layers of bureaucracy. You’ll work with local decision-makers who understand your goals and can respond quickly. Combined with powerful digital banking tools and a Utah-based team, you get the convenience of modern banking backed by people who know your business.
Brady Smith
Vice President, Business Services
Ryley Broadhead
Business Loan Servicing Manager
Alec Stump
Business Relationship Officer
Ready to Align Your Finances With Your Purpose?
Schedule a consult with our Business Services team for tailored solutions. Join organizations across Utah and beyond who trust Deseret First to safeguard funds and strengthen businesses.
Become a Member Today
Church members and immediate family members can join the credit union.
Dividends and certificate rates effective today; subject to change. Early‑withdrawal penalties apply to certificates. Membership and eligibility required.