Bank Where Your Business Will Thrive
Running a company or nonprofit takes more than sound spreadsheets—it takes partners who understand stewardship, service, and streamlined cash flow. 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.
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Business Checking
Free 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 the usual banking tolls.
Why members love it: No fees on your business checking account means more money available for you to use in your business. Put the savings to work by investing in your business.
$0 monthly maintenance fee
No minimum balance and no nickel‑and‑diming for "excess" transactions.
Unlimited items:
Write checks, accept ACH, run debit cards—your growth won't trigger extra charges.
Instant‑issue business debit cards
With CardHub controls for department heads or mission funds.
Remote deposit & mobile app
Customer payments without leaving the office.
Free Bill Pay and payroll ACH
To simplify vendor invoices and automated stipends.
Business Savings
Secure Reserves, Earn Dividends, Sleep Better
A healthy reserve account is the foundation of a strong organization. The DFCU Business Savings Account pairs competitive quarterly dividends with immediate access, so your funds are always working while remaining within reach.
Open your account with just $5, and watch your rate automatically increase as your balance grows through our tiered dividend structure. Every account is federally insured up to $250,000 per tax ID, giving you complete peace of mind.
You can easily link your savings to checking for overdraft protection or same-day transfers, ensuring your business cash flow remains uninterrupted. Use it to set aside payroll reserves, expansion funds, or emergency savings—your money stays available and secure.
Business Certificates
Lock In Higher Returns for Long‑Term Goals
When your business has funds earmarked for future projects, Business Share Certificates offer fixed, above-market yields that provide guaranteed growth without market volatility.
Choose from terms of 3 to 60 months, and consider laddering multiple certificates to balance access and yield. With rates often 0.25 % to 0.50 % higher than comparable bank CDs, you'll see your funds grow faster while maintaining security. Start with a $500 minimum deposit, and decide whether you want dividends to compound for maximum growth or transfer monthly into your checking for ongoing use.
It's a smart, stable way to prepare for vehicle purchases, remodels, or other planned investments.
Optional Money Market
Earn More Without Losing Flexibility
If your balance regularly tops $25 k but you still need quick access, a Business Money Market bridges the gap between checking convenience and certificate‑level dividends.
Why Business Banking With DFCU
At Deseret First, we don't just serve businesses—we partner with purpose-driven organizations across Utah and beyond.
As a member-owned credit union, our profits cycle back to you through better rates, lower fees, and personal service. Our local decision-makers understand the pace of your business—whether you need a temporary limit increase for an event or quick funding for a project, you'll get answers in hours, not weeks.
And with nationwide digital tools backed by real, Utah-based humans, you'll enjoy the best of both worlds: the efficiency of modern banking and the familiarity of a trusted local team.
Ready to Align Your Finances With Your Purpose?
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
View High-Yield Savings Accounts
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
Dividends and certificate rates effective today; subject to change. Early‑withdrawal penalties apply to certificates. Membership and eligibility required.