Break Free From Fees, Earn More Every Day

First Choice Checking — You Pick the Perk

Why settle for one reward? First Choice lets you choose interest, cash back, or card-rewards points each month just by meeting simple activity goals (like a direct deposit and 10 debit card swipes). Plus up to $25 ATM-fee refunds each month, free Bill Pay, and an instant-issue Visa debit card.

Student Checking — Built for Life on the Go

From early classes to late-night study sessions, Student Checking helps young adults manage money confidently and conveniently. There are no monthly fees and no balance requirements, so you can focus on your studies—not on banking. After your first 10 debit card swipes, you'll even receive a $75 welcome gift card as a thank-you for joining. The DFCU mobile app makes it easy to track spending, set budgets, and manage your card through CardHub—all with real-time alerts and full access to nationwide ATMs. When graduation arrives, transitioning to another DFCU checking account is seamless—no need to start over. Open on your own at 18 or with a parent as joint owner if you're between 14 and 17. Offer valid for new Student Checking Accounts only. Limit one $75 bonus per member. To qualify, you must complete ten (10) debit transactions within the first 30 days of account opening. The $75 bonus will be deposited into the account within 30 days following the month in which the transaction requirements are met.

More Than a Bank—A Financial Family

At Deseret First, you're more than an account number—you're part of a community that believes in purpose-driven banking. Because we're member-owned, our profits come back to you as better rates and lower fees. Our team understands your priorities and offers guidance rooted in shared values. And when you need help, you'll always reach a real person, right here in Utah—24/7.