Frequently Asked Questions

Yes. Head to the online member application page at application.dfcu.com/. You can get approved and sign for your account with an e-signature entirely over the secure network.

If you've never had checks with your Deseret First account before, you'll need to contact a Member Services Rep through Online Banking, the DFCU Mobile App, by phone at 801-456-7000 or 800-326-3328 (Mon–Fri: 8am–7pm, Sat: 9am–2pm), or at a branch.

If you need to re-order checks, you can order directly through Harland Clarke at ordermychecks.com/

Branches and contact center will be closed on: New Year's Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans' Day, Thanksgiving Day, and Christmas Day.

To send a wire transfer, visit a branch or call 801-456-7000 or 800-326-3328. You'll need the recipient's financial institution information (name, address, routing number) and personal information (name, address, account number).

Fees:
- Incoming Domestic: $10
- Outgoing Domestic: $20
- Incoming for Mortgage Payoff: $20
- Incoming Foreign: $20
- Outgoing Foreign: $40

Special benefits are available for employer group members including:
- $100 with a new First Choice Checking Account and Direct Deposit
- 0.25% APR discount on auto loans
- 0.25% APR discount on credit cards
- 15,000 bonus points on a new VISA Platinum Rewards Card
- $200 off closing costs on eligible mortgages
- Additional 0.10% APY on new share certificates

The credit union's Utah State ID number is 11767687005WTH. The WTH at the end is required. Some tax software programs (like TurboTax) require this number, though typically it's only needed if you have state withholdings from interest earned.

ABA Routing Number: #324078909

The routing or ABA number is used for many purposes, including wire transfers, checks, direct deposits, bill pay, etc.

Institution Name: Deseret First Credit Union
Institution Address: 3999 W. Parkway Blvd. West Valley City, UT 84120

Your Account Number can be found on your checks, under account names in online banking, or by visiting or calling a branch.

You qualify for membership with DFCU if you are:
- A member of The Church of Jesus Christ of Latter-day Saints
- An employee of The Church of Jesus Christ of Latter-day Saints or any of the Employer Groups
- Have an immediate family member of a person who is a current member of Deseret First or is eligible to join Deseret First
- An employee of Deseret First Credit Union

DFCU partners with CO-OP Financial Services to provide members access to 5,600 credit union branches across the United States. As a DFCU member, you get surcharge-free access at participating CO-OP branches and nearly 30,000 ATMs nationwide, putting you in the 2nd largest financial network in the country.

All current interest rates are listed at dfcu.com/rates/. The rates shown are best available rates and all rates are dependent on creditworthiness. Your offered rate could differ.

Check the locations page at dfcu.com/about/dfcu/locations/ where you can search for one of 13 DFCU branches, hundreds of shared branches, or thousands of ATM locations.

Log into Online Banking or the DFCU Mobile App and go to Accounts > Documents > Statements. You can select each statement to view more details and print them.

Tax forms include: Form 1098 (Mortgage Interest, $600+, mailed Jan 31); Form 1099-INT (Interest Income, $10+, mailed Jan 31); Form 1099-R (IRA Distributions, all amounts, mailed Jan 31); Form 5498 (IRA Contributions, all amounts, mailed May 31).

Information also available in Online Banking and DFCU Mobile App under Accounts > Documents > Tax Forms.

Yes. Complete the online loan application at dfcu.com/loan-application/. You can digitally sign for your loan as well. DFCU offers both consumer loans and mortgages that can be completed 100% online (except for reverse mortgages).

Login to Online Banking or the DFCU Mobile App and navigate to: Accounts > Card Rewards > Go. View and redeem your points by selecting your desired reward, adding it to your cart, and checking out. You can also call the redemption center toll-free at 888-204-4482.

Access your VISA Rewards Balance through Online Banking or the Mobile App by navigating to: Accounts > Card Rewards > Go

It's easy to sign up for online banking! Just go to the registration page on the online banking site. Once on the site you'll have to agree to the Mobile and Online Banking Agreement. Then you can create your account. In order to create your account you'll need your Social Security Number and Basic Contact Information. It's simple and will take 5 minutes or less!

Please try allowing popups from online banking. Often we see members have this problem when they have a popup blocker enabled. If allowing popups doesn't resolve your issue, please contact us!

You will need to reset your password. To do this, simply head over to the forgot password page on the online banking site. Here you will be able to securely reset your password and unlock your account.

We support the latest version of most major browsers. It's possible that you could be using an outdated browser. For your security, we recommend updating to the latest version. Updates are free and may enable you to have the full functionality of our website. Furthermore, we recommend using a modern browser such as Google Chrome, Mozilla Firefox, or Safari.

To see if your browser is compatible with online banking, check the diagnostics page. Similarly, issues can arise from your browser's cache. You can try a "hard refresh" to empty your cache. You can accomplish this through a variety of ways: All desktop users: hold down the shift key on your keyboard and click the refresh button in your browser. Windows users on Chrome or Firefox can use the following command: Ctrl + Shift + R. Windows users on Internet Explorer can use: Ctrl + F5. Mac users on Chrome or Firefox can use the following command: Cmd + Shift + R. To empty all cache, Mac users on Safari can use: Option + Cmd + E. To empty cache on your mobile browser, you will need to check the app settings.

If you are still experiencing issues, please send us your feedback. To further troubleshoot your issue, we request that you include your browser version and let us know which operating system you use. Including a screenshot of your problem can help us even more.

Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Courtesy Pay is still available as secondary coverage if the other protection source is exhausted.

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at Deseret First Credit Union. A finance charge may apply. Overdraft lines of credit are subject to credit approval.

The Courtesy Pay fee is $28 per item presented. "Per item presented means each time an item is presented, including re-presentment."

There is no fee per transfer for Overdraft Protection linked to another deposit account you have at DFCU.

Current Balance reflects the full amount of all deposits and posted payment transactions. Available Balance is your Current Balance less any holds due to pending debit card transactions and holds on deposited funds, representing the amount available for purchases or withdrawals.

New consumer and business checking accounts receive a $100 Introductory Courtesy Pay limit at account opening, which increases to $600 or $1,000 after 60 days in good standing, depending on account type.

Standard Coverage includes checks, ACH automatic debits, recurring debit card transactions, online bill pay items, online banking transfers, telephone banking, and teller window transactions. No action is required to have Standard Coverage.

• You must be a DFCU member for at least 1 year.
• Maintain a minimum average deposit balance of $10,000 for 12 months.
• Minimum opening deposit is $10,000.

Any branch location can help you reset your debit card's PIN. You can also call 866-762-0558 to reset by telephone, or use the CardHub section of the DFCU mobile app.

Points are given for making purchases with reward credit cards. You earn 1 point for every dollar spent. Visit the VISA Platinum Rewards Card page for more details about the program.

Call 801-456-7000. When you reach the automated menu, select the option to speak with a card specialist and a new/replacement card will be sent within 5-7 business days free of charge. For faster service, stop by a branch for instant issuance. You can also use the DFCU Mobile App to request a replacement.

A HELOC (Home Equity Line of Credit) is a flexible line of credit secured by the equity in your home. Use it for home improvements, debt consolidation, major purchases, or other financial needs. DFCU now offers No-Cost HELOCs with no closing fees when you keep your line of credit open for three years or more. Your HELOC includes a 10-year draw period followed by a 10-year repayment period, allowing repeated access to funds as you repay your balance.

A piggyback loan is a second mortgage done at the same time as a first mortgage, essentially piggybacking on the first mortgage. DFCU offers these "piggyback" second mortgages for both purchasing or refinancing your home.

Homebuyers often use piggyback loans to avoid private mortgage insurance (PMI) costs. If you don't have a full 20% down payment for a home, consider running the numbers. A piggyback loan can make up the difference and save you money on PMI. Contact a loan officer today to discuss your options.