Overdraft Line of Credit

Having a checking account transaction declined due to insufficient funds can be costly and inconvenient. Getting an Overdraft Line of Credit can ease the stress of having insufficient funds.


Apply Now


How it Works

  • An Overdraft Line of Credit is essentially an emergency loan to cover overspending in a checking account.
  • If an overdraft occurs, an advance is transferred from the line of credit to checking. Interest will accrue on the amount(s) advanced.
  • Monthly payments are required for line of credit balances.


  • Monitors the checking regularly to make sure a positive balance is maintained.
  • Avoid being denied purchases at the register.
  • Avoid unnecessary merchant fees.
  • Avoid bounced checks.
  • Avoid automatic payment declines (bills, utilities, etc.).



For questions or to apply, call 801-456-7000 or 1-800-326-3328 weekdays: 8am-7pm, Sat: 9am-2pm or visit any Deseret First Branch.

Auto Loans As Low As 3.99%

Drive your Dream Car Today! Auto loans with us are easy, fast, and affordable. Our loan application is 100% online.


Learn More


Get a Credit Card that puts money back in your pocket with us!
Learn More