The future of checking is here—and with a Utah First checking account, you get all the features you need to manage your money in today’s modern world. Futureproof your financial life with new tools you won’t find anywhere else—on top of everything you’d expect from an ordinary account.
We’re changing checking with features like:
Your phone is the future of checking! With full account access online and in-app, you can control your cards, deposit checks remotely, make person-to-person payments, pay bills for free, check balances, and more.
What’s more high-tech than touch-free payments? Tap to pay with your debit card or add it to your digital wallet using Apply Pay, Google Pay, or Samsung Pay.
Credit cards can’t claim all the rewards anymore! Now, you earn one point for every dollar you spend with your debit card—points you can redeem for gift cards, unrestricted travel, or cash back.
With free access to 30,000 ATMs, loads of local branches (and more than 5,000 shared branches nationwide), you’re never far from your money. You can even talk to our financial experts over the phone, 24/7.
Don’t fear declined transactions! With Courtesy Pay, your purchase will go through, even if the amount exceeds your balance. And, our affordable overdraft will only kick in if the balance deficit goes beyond your $5 oops buffer.
At Utah First, you’ll have access to interest bearing accounts that earn an extremely competitive APY so you can save for the future.
Forget about minimum balances and hidden fees that other institutions charge. At Utah First, we always put our members first!
Enjoy affordable overdraft protection and the hassle-free convenience of digital banking.
Dividend Checking Account
A personal checking account that pays you interest! Plus, you get free money orders, domestic wires, and more.
Free Checking Account
A simple, straightforward, no-nonsense account for everyday checking needs.
Welcome to the Future of Checking!
Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government through the National Credit Union Share Insurance Fund. Learn more here.