First Choice Checking

 

Free to choose what fits you and your lifestyle!

We have four different checking account options so you can get the one that fits your needs! Our goal is to help you get the products and services that work best for you, that’s why we provide multiple options. Check out the options below to see what account will fit you best!

CASH BACK
INTEREST
PLATINUM REWARDS
PLATINUM

Card Type

Debit Card Debit Card Credit Card* Credit Card*

Rewards (Monthly Qualifications must be met to receive rewards for that month)

10 cents per debit card transaction
over $5 – up to
40 transactions
1% APY** 1% APY** 2% APY**
FREE
Checking Account
FREE
Checking Account
FREE
Checking Account
FREE
Checking Account
Free Debit Card
Free Debit Card Free Debit Card Free Debit Card
No monthly minimum balance required No monthly minimum balance required No monthly minimum balance required No monthly minimum balance required

Additional Benefits

Free Online
Bill Pay
Free Online
Bill Pay
Free Online
Bill Pay
Free Online
Bill Pay
Fraud Protection Fraud Protection Fraud Protection Fraud Protection
ATM refunds up to $25 per month ID Theft Protection ID Theft Protection
Receive Points on Platinum Rewards Credit Card Purchases
Rate is on balances up to $10,000: .10% APY** will
be paid on balances over $10,000.

 


Benefits

  • Choose the reward option that fits your finances.
  • Options for Debit and Credit Card users. See the links below.
  • Free EMV Debit and Credit Card with no annual or maintenance fees.
  • Deposit accounts are federally insured by the NCUA up to $250,000.

Apply Now


Requirements

  • Membership Savings Account.
  • At least 1 payroll or retirement direct deposit transaction posted and cleared within the monthly qualification cycle.
  • E-statement.
  • Valid email address.
  • At least 10 Debit or 10 Credit Card purchases posted and cleared (based on account choice).


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.

2019 Begin Date End Date
January 1/1/2019  1/31/2019
February 2/1/2019 2/28/2019
March 3/1/2019 3/30/2019
April 3/31/2019 4/30/2019
May 5/1/2019 5/31/2019
June 6/1/2019 6/29/2019
July 6/30/2019 7/31/2019
August 8/1/2019 8/31/2019
September 9/1/2019 9/30/2019
October 10/1/2019 10/31/2019
November 11/1/2019 11/30/2019
December 12/1/2019 12/31/2019

*On Approved Credit. **Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $.01. Fees could reduce earnings.

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.