Jun 02, 2025 / Money Tips
There are two kinds of checking accounts in this world. One holds your money, and that’s about it. The other sweetens the deal with dividends as a thanks for using it. Can you guess which one we offer?
At Utah First, we don’t just hand out debit cards and hope for the best. We’ve spent 90 years building real connections with members who expect more from their everyday accounts. We know their names, learn their stories, personalize their experiences, and deliver perks they actually want. That’s why our Personal Checking account pays monthly dividends!
If you keep a balance in checking and want your money to do more, you’re our people, and you’re gonna love earning dividends with this account.
With a Personal Checking account, you earn dividends each month, just like you would with a savings account. Only now, the cash you use every day is working just as hard as the cash you’re saving — and you still get full access to your money anytime, anywhere. It’s our way of saying thanks for sticking around and trusting us with your day-to-day finances.
You don’t have to jump through hoops, enroll in anything, or make a certain number of purchases to activate dividends. Just move money into Personal Checking and watch your balance grow automatically with a 0.25% to 2.0% annual percentage yield (APY), depending on your deposit amount. No extra effort needed on your end. That’s better than a cash rebate.
Dividends increase with higher balances, so you can earn more just for keeping more money in your account. It’s that simple!
Not sold on dividends yet? That’s okay! Annual percentage yields probably don’t mean much until you do the math. And since you’re not here to crunch the numbers, we’ve done it for you.
And if your balance is higher, so is your earning power:
Use that bonus money you earned to fund your next vacay. Not bad for an account you’d be using anyway!
Earning dividends on your account balance is a pretty great deal no matter who you are or how you bank. You don’t need a six-figure balance to benefit. Every member earns, and the value grows with your relationship. But if you’re someone who…
… then you’re exactly who we designed this feature for! Because our long-time, loyal, big-picture members? They win big. And if that’s your vibe, you’ve found the last checking account you’ll ever need.
Our members trust us with one of the most sensitive aspects of their lives: their money. So when we designed Personal Checking, we wanted to show up strong with fewer fees and all the features that make banking feel personal and rewarding!
We see your loyalty, and we raise you monthly dividends. Your balance earns real returns while you do absolutely nothing. Passive income? Heck yes!
Fees aren’t our style. Meet a few minimums (like using your account on the reg), and you’ll never see one. Personal Checking is transparent, predictable, and refreshingly un-annoying.
Access your Personal Checking account 24/7 in Utah First Digital Banking where you can track spending, move money, get alerts, and more in one clean, user-friendly mobile app.
Whether it’s 2 PM or 2 AM, we’ve got real humans ready to chat when you need us. Prefer in-person help? We’ve got branches and people for that, too.
Tap to pay with Mobile Wallet, automate the tedious with Bill Pay, and catch the bounce with Courtesy Pay, your $5 “oops buffer” and Utah’s most affordable overdraft protection!
Personal Checking dividends are just one more way we back up our relationship-based banking experience. If you’re ready to start earning, chat with one of our local financial experts about opening an account today!