Unrestricted travel
Gift cards
Cashback
Utah First Personal Checking is the only checking account you’ll ever need. Designed with members in mind, it offers a truly boutique banking experience, so you don’t have to settle for offerings that barely scratch the surface of your unique financial habits!
Why choose, when you can simply get everything with a Personal Checking account! Welcome to modern, personal banking.
You didn’t think that was all, did you? We mean it when we say Personal Checking is packed to the brim with amazing features and benefits!
Make transfers in a snap and use contactless payments for an easy, secure experience and peace of mind.
Transferring your checking accounts can be a drag. Our financial experts make the process smooth and simple with one-on-one support!
Withdraw from Personal Checking with free access to 30,000 ATMs, loads of local branches, and 5,000+ shared branches nationwide.
Streamline your bill-paying experience with convenient, user-friendly features. Set up one-time or recurring payments in a central location, directly from your checking.
Insufficient balance? Courtesy Pay ensures purchases still go through. Our low overdraft fee only kicks in if the balance deficit goes beyond your $5 “oops!” buffer.
Make the switch to Utah First Personal Checking in just three easy steps!
Apply for a Personal Checking account from the comfort of your home at utahfirst.com or visit a branch near you for a personalized service.
A financial expert will ask a few basic questions to verify your identity and help you finish opening the account in 5–10 minutes.
Take advantage of our Switch Buddy service as needed to consolidate your accounts and get set up with Utah First Personal Checking.
That’s it! Start enjoying checking that’s easy, rewarding, and personal.
Already a member? Upgrading has never been easier!
Utah First Personal Checking is backed by industry-leading customer support. We’re real humans, ready to chat when you need us, making banking as personal as it should be!
When you have midday banking questions or late-night loan payment, our customer service team is standing by, ready to help at any hour of the day or night.
If you prefer face-to-face interaction over digital support, swing by one of our nine branch locations to talk to a financial expert.
Our financial experts offer both virtual and in-peson assistance to help you switch to your new Utah First Personal Checking account!
Our fees are few and far between, and we don’t play games with surprise fees that catch you off guard! We make it effortless for you to keep your money where it belongs: in your pocket. What you see here is what you can expect from our monthly maintenance fee: $6.95/Free*…That’s it!
| Balance | APY * |
|---|---|
| $0.00 - $2,999.99 | 0.00% |
| $3,000.00 - $9,999.99 | 0.50% |
| $10,000.00 - $24,999.99 | 1.00% |
| $25,000.00 - $99,999.99 | 1.50% |
| $100,000.00 - $249,999.99 | 2.00% |
| $250,000.00 - $999,999.99 | 3.00% |
| $1,000,000 + | 3.00% |
Equivalent to 0.25% APR of your current balance, deposited monthly into Personal Checking account.
I’ve been with this bank for almost ten years. They’ve done nothing but work with me in any way needed. As well as have some of the best customer service by a bank. From personal loans, to monitoring my account for fraud. I don’t see me switching banks any time soon or at all.
Chanse Checketts
I think I’ve found my forever bank! ♥︎ Super friendly, helpful, and responsive!
Jacob Bennett
My mom actually recommended me to open an account here, and I have had no regrets! Everyone is always so helpful and super friendly when I stop by. Wish every bank was like them! Great team and great branch!
Leslie C.
