Checking Accounts
Break Free From Fees, Earn More Every Day
At DFCU, checking isn’t just a place to park cash—it’s the hub of your financial routine. Every account here is truly free, layered with rewards, and backed by a community that shares your values.
Manage money on your phone, get real‑time card controls, and tap into 30 k+ surcharge‑free ATMs nationwide—all without paying a dime in monthly fees.
Open a Checking AccountServing 77,000+ satisfied clients and counting.
Welcome Back
Sign in to online banking
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).
High Interest
Earn up to 1.00 % APY on balances ≤ $10k.
Cash Back
Get 10¢ back on every debit purchase over $5 (max 40 per cycle)
Rewards Points
Rack up 1 point per dollar spent—redeem for travel, merch, or statement credit
Plus up to $25 ATM‑fee refunds each month
Free Bill Pay, and an instant‑issue Visa® debit card.
Regular Checking —
Classic, No‑Strings Banking
Need straightforward access to your money with zero hassle? Regular Checking keeps it simple:
$0 monthly fee
and no minimum balance—ever.
Free Visa® debit card
you can add to Apple Pay, Google Wallet, or Samsung Pay before leaving the branch.
30,000+ surcharge‑free ATMs
and 5,600 shared branches nationwide for cash, deposits, or payments.
Optional overdraft protection
from savings or a low‑cost line of credit.
Student Checking
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 $10 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.
Ready to Upgrade Your Everyday Banking?
Join 77k+ members who enjoy fee-free checking, real rewards, and values-based service. Apply online in minutes—cards and mobile access are ready the same day.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.