Overdraft Line of Credit

Having a checking account transaction declined due to insufficient funds can be costly and inconvenient. An Overdraft Line of Credit is a special service for Deseret First members who qualify.


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How it Works

  • An Overdraft Line of Credit is essentially an emergency loan to cover overspending in a checking account.
  • If an overdraft occurs, an advance is transferred from the line of credit to checking. Interest will accrue on the amount(s) advanced.
  • Monthly payments are required for line of credit balances.


  • Monitors the checking regularly to make sure a positive balance is maintained.
  • Avoid being denied purchases at the register.
  • Avoid unnecessary merchant fees.
  • Avoid bounced checks.
  • Avoid automatic payment declines (bills, utilities, etc.).



For questions or to apply, call 801-456-7000 or 1-800-326-3328 weekdays: 8am-7pm, Sat: 9am-2pm or visit any Deseret First Branch.

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