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Frequently Asked Questions


Below you’ll find a list of some general questions. If you’re experiencing problems with online banking or our apps, first check here for solutions. But if you’re still not finding the answers you need, don’t hesitate to contact us either! Call 801-456-7000 or 800-326-3328. Available weekdays: 8am-7pm, Sat: 9am-2pm.

ABA Routing Number: #324078909

The routing or ABA number is used for many purposes, including wire transfers, checks, direct deposits, bill pay, etc. Below you will find some important information you might also need when you’re asked for Deseret First’s routing number.

Institution Name: Deseret First Credit Union

Institution Address: P.O. Box 45046 Salt Lake City, UT 84145

Direct Deposit Form: Click here to download the PDF

Your Account Number: Can be found on your checks or by visiting or calling a branch. See below to find where your number is located on a check.

sample of a check with arrows pointing to the routing number, account number, and check number

You are qualified for membership with DFCU if you are:

You may also view the full membership requirements here.

Special benefits are available for employer group members.

We offer a package of special rates, rewards, and discounts. These benefits are exclusively offered to these employees only. See here for a full list of eligible companies.

Benefits include:

*We add the $100 within thirty (30) days of opening an account and after your first direct deposit. The $100 bonus is treated as interest income for tax reporting purposes. Valid only for new First Choice Checking accounts. Limit one $100 bonus per member.

**DFCU credit cards range from 8.9–18.00% APR. This rate is dependent on factors such as your credit worthiness and the type of card you choose. Our credit cards have a 1% foreign transaction fee on purchases and a 1.5% cash advance fee.

You’ll want to check our locations page.

There you’ll be able to search for one of our 12 DFCU branches, hundreds of shared branches, or thousands of ATM locations.

Our branches and contact center will be closed on:

New Year’s Day: Tuesday, January 1, 2019
Martin Luther King Jr. Day: Monday, January 21, 2019
Presidents Day: Monday, February 18, 2019
Memorial Day: Monday, May 27, 2019
Independence Day: Thursday, July 4, 2019
Pioneer Day: Wednesday, July 24, 2019
Labor Day: Monday, September 2, 2019
Columbus Day: Monday, October 14, 2019
Veterans’ Day: Monday, November 11, 2019
Thanksgiving Day: Thursday, November 28, 2019
Christmas Eve: Branch and Operations Center hours: 8am–2pm – Tuesday, December 24, 2019
Christmas Day: Wednesday, December 25, 2019

We partner with CO-OP Financial Services to ensure complete accessibility for our members.

As a DFCU member, you get access to 5,600 credit union branches across the United States. Each branch can conduct basic transactions for members of other participating credit unions. Specifically, that puts you in the 2nd largest financial network in the country!

CO-OP Shared Branch and CO-OP ATM logosSo anywhere you see these CO-OP logos, you’ll know you can use that branch or ATM surcharge free. Not to mention that includes nearly 30,000 ATMs nationwide! For more information about the CO-OP network, visit their website.

You’ll need to go to a branch.

Any of our branch locations can help you reset your debit card’s PIN. Use our map to help you find a nearby location. Additionally, if you’ve forgotten your PIN, we can send the current number to you through the mail.

Call us at 801-456-7000.

When you get to the automated menu, select the number that leads you to talk to a card specialist and we will send you a new/replacement card within 5-7 business days free of charge. If you need a 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 use the CardHub app. With this mobile app, available on both Apple and Android, you can turn individual cards off and on as needed.

screenshot of online banking with a circle around the documents widget and the statements tab

Once you’re logged in to online banking, select the Documents widget. You’ll then see all your statements for savings, checking, and credit card accounts. You can click each statement to view more detials.

You can find all our current interest rates listed here.

Please keep in mind, the rates listed are our best available rates. All rates are dependent on credit worthiness. Your rate offered could be different.

Yes! Simply complete our online loan application.

Not only can you apply online, but you can sign for your loan as well. We strive to make the lending process as quick and as easy as possible! Likewise, we offer both consumer loans and mortgages. You can complete each option 100% online (except for reverse mortgages).

Yes! Head over to our online member application page.

Soon you’ll be on your way to a different kind of banking! You can get approved and sign for your account with an e-signature entirely over our secure network.

We offer an exciting credit card rewards system!

These are points given for making purchases with our reward credit cards. You earn 1 point for every dollar spent! Get more details about the program by visiting our DFCU Rewards page.

Check the new rewards widget when logged in to online banking.

You can choose rewards from a variety of categories, including cash back!

Login to online banking and click on the rewards widget where you can view and redeem your points straight from the mobile app or online banking. If you have the points you need, select the reward you want, add it to your cart, and check out! Additionally, you can call the redemption center toll-free at 888-204-4482.

Sending a wire transfer? Here’s how.

Visit a branch or give us a call at 801-456-7000 or 800-326-3328.

You will need the following information to send the transfer.

  • Their Financial Institution Information: Institution Name, Address, and Routing Number
  • Their Personal Information: Name, Address, and Account Number

Are you receiving a wire transfer? Here’s the information you need to give the person sending the wire.

Domestic (Within the United States)
  • Beneficiary Financial Institution: Deseret First Credit Union
  • Address: 3999 W. Parkway Blvd. West Valley City, Ut 84120
  • Routing Number: 324078909
  • Beneficiary: Your Name
  • Account: The Account Number you want the funds in
International
  • Intermediate Financial Institution: Zions Bank
  • Address: One South Main Street Salt Lake City, UT 84133
  • Swift Code: ZFNB US55
  • Beneficiary Financial Institution: Deseret First Credit Union
  • Address: 3999 W. Parkway Blvd. West Valley City, Ut 84120
  • Routing Number: 324078909
  • Beneficiary: Your Name
  • Account: The Account Number you want the funds in

What Amount will be charged for wiring money?

  • Incoming Domestic: $10
  • Outgoing Domestic: $20
  • Incoming for Mortgage Payoff: $20
  • Incoming Foreign: $20
  • Outgoing Foreign: $40
  • See our Fee Schedule if you want more information

Here’s a breakdown of tax forms that we send:

Tax Forms and Dates
FormTitleReport LimitsDate to Be Mailed
1098Mortgage Interest$600 or moreJanuary 31st
1099-INTInterest Income$10 or moreJanuary 31st
1099-RIRA DistributionsAll amountJanuary 31st
5498IRA Contributions and informationAll amountsMay 31st

Information can also be found within Online Banking under the Documents widget where there is a tab for Tax Forms.

The credit union’s Utah State ID number is 11767687005WTH.

The WTH at the end is required. Some tax software programs (i.e. Turbo Tax) require you to input the credit union’s state ID number. But typically you won’t need it unless you have state withholdings from your interest earned.