Information and Alerts

VISA Debit Cards

Quick, simple, secure payments

Checking Account Basics

A checking account with Deseret First will keep your money more secure than carrying around cash. But you still need easy access to those funds. That’s why a debit card is the perfect partner for your checking. Even more, DFCU debit cards are free to any member with a checking account! Pair it with a First Choice Checking option to put money back in your wallet.
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Our debit cards include:

No Monthly or Maintenance fees

No monthly or maintenance fees

Visa ATMs accepted

Use all over the world wherever VISA is accepted

Fee Free ATMs worldwide

Go fee-free with 30,000 CO-OP ATMs nationwide

24 Hour Fraud Protection

Free 24-hour fraud protection

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Checking Accounts & Card Types

Regular Checking

Regular Checking

A great account for those looking for a great debit card and simple use. This works especially well for young adults getting their first checking account.
First Choice Interest

First Choice Interest

This is a good account for those who use a debit card regularly and who put a lot of money in their checking accounts. It pays a higher interest rate than the other checking accounts. So you’re earning more than in the regular checking account.
First Choice Cash Back

First Choice Cash Back

Great account for those who use a debit card regularly and want to get a simple cash back reward. For every transaction over $5 you earn $0.10 up to 40 transactions.
Compare Checking Options

Debit Cards vs Credit Cards

How do I know which is best for me?

Debit and credit cards function in a very similar way. So it can be easy to interchange the terms. But we can help you make the distinction. If you’re still unsure which option will be the best fit for you, why not run the numbers? We have a checking account rewards calculator so that you can maximize your benefits.

Calculate benefits
Deseret First Visa debit card inside a card terminal

Debit Cards

  • Uses your own funds that you’ve deposited
  • Purchase limit defined by the amount in your account
  • Easier to control your spending
  • Requires a pin number
  • Allows cash back from retailers
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Credit Cards

  • Borrows funds from the card lender
  • Credit limit set by the issuer
  • Shows on your credit report
  • Interest accrues on unpaid balances
  • 1.5% fee on cash advances

Lost or stolen card?

If you ever lose your VISA card, we are ready to assist you 24/7. Call us toll free at 800-326-3328. When you get to the automated menu, select the number that leads you to talk to a card specialist. You can also use the number above to request a new card and we will send you a replacement free of charge. Additionally, if you need a new card quicker, stop by a branch! They can instantly issue a replacement for you. If for some reason, you’re unable to call us, you can also block your card using CardHub.
CardHub Details
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Choose your checking and love it!

Checking styles that fit your lifestyle.

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