First Choice Checking

 

Free to choose what fits you and your lifestyle!

We have four different checking account options so you can get the one that fits your needs! Our goal is to help you get the products and services that work best for you, that’s why we provide multiple options. Check out the options below to see what account will fit you best!

CASH BACK
INTEREST
PLATINUM REWARDS
PLATINUM

Card Type

Debit Card Debit Card Credit Card* Credit Card*

Rewards (Monthly Qualifications must be met to receive rewards for that month)

10 cents per debit card transaction
over $5 – up to
40 transactions
1% APY** 1% APY** 2% APY**
FREE
Checking Account
FREE
Checking Account
FREE
Checking Account
FREE
Checking Account
Free Debit Card
Free Debit Card Free Debit Card Free Debit Card
No monthly minimum balance required No monthly minimum balance required No monthly minimum balance required No monthly minimum balance required

Additional Benefits

Free Online
Bill Pay
Free Online
Bill Pay
Free Online
Bill Pay
Free Online
Bill Pay
Fraud Protection Fraud Protection Fraud Protection Fraud Protection
ATM refunds up to $25 per month ID Theft Protection ID Theft Protection
Receive Points on Platinum Rewards Credit Card Purchases
Rate is on balances up to $10,000: .10% APY** will
be paid on balances over $10,000.

 


Benefits

  • Choose the reward option that fits your finances.
  • Options for Debit and Credit Card users. See the links below.
  • Free EMV Debit and Credit Card with no annual or maintenance fees.
  • Deposit accounts are federally insured by the NCUA up to $250,000.

Apply Now


Requirements

  • Membership Savings Account.
  • At least 1 payroll or retirement direct deposit transaction posted and cleared within the monthly qualification cycle.
  • E-statement.
  • Valid email address.
  • At least 10 Debit or 10 Credit Card purchases posted and cleared (based on account choice).


In order to qualify for rewards on a First Choice Checking Account, all requirements, including required transactions, must be completed and posted to the account within the monthly qualification cycle dates. The monthly qualification cycle dates are as follows and are subject to change without notice.

2017 Begin Date End Date
January 12/31/2017  1/31/2018
February 2/1/2018 2/28/2018
March 3/1/2018 3/31/2018
April 4/1/2018 4/30/2018
May 5/1/2018 5/31/2018
June 6/1/2018 6/30/2018
July 7/1/2018 7/31/2018
August 8/1/2018 8/31/2018
September 9/1/2018 9/29/2018
October 9/30/2018 10/31/2018
November 11/1/2018 11/30/2018
December 12/1/2018 12/31/2018

*On Approved Credit. **Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $.01. Fees could reduce earnings.

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.