First Utah Bank makes choosing the right personal checking account easy!
At First Utah Bank, we understand that everyone uses money differently and has different banking needs. So there’s no “one” personal checking account that’s right for everyone. That’s why we offer a variety of checking accounts to choose from. Of course, all of our checking accounts deliver unlimited check writing privileges, free Mobile and Internet Banking, account Alerts and Bill Payment, free eStatements, and no ATM fees at First Utah Bank or MoneyPass ATMs.
Which account type is right for you? Compare the options...
| Money Back Checking | Personal Checking | Full Service Checking | Interest Checking | |
|---|---|---|---|---|
Recommended if… |
You use your debit card to make purchases and are looking for cash back |
You need a simple checking account |
You have larger account balances and you want to earn a very competitive interest rate and receive other benefits such as free checks and other free/discounted services |
You want to earn a bit of interest on your account balance |
Minimum Opening Deposit |
$25 |
$25 |
$25 |
$25 |
Is there a Monthly Service Fee? |
No |
No |
Maintain a daily balance of $2,500 and we will waive the $12 monthly fee |
No |
Does the account pay interest? |
No |
No |
Yes |
Yes |
Do I receive cash back on debit card purchases? |
Cash back of 3% is paid on the net VISA® debit card purchase transactions with a maximum payout of $15 per month |
No |
No |
No |
May I request paper statements? |
Yes, there is a $5 per month fee, eStatement and eNotice at no charge |
Yes, there is a $5 per month fee, eStatement and eNotice at no charge |
Yes |
Yes, there is a $5 per month fee, eStatement and eNotice at no charge |
May I write checks? |
Yes |
Yes |
Yes and we’ll pay for four orders of checks per calendar year |
Yes |
Are there ATM fees assessed? |
Not if you use First Utah Bank or MoneyPass ATMs |
Not if you use First Utah Bank or MoneyPass ATMs |
Not if you use First Utah Bank or MoneyPass ATMs |
Not if you use First Utah Bank or MoneyPass ATMs |
Free access to Mobile Banking, Internet Banking, Mobile Deposit and Alerts |
Yes |
Yes |
Yes |
Yes |
Anything else? |
One free domestic wire transfer per year (fees may be imposed by beneficiary bank), plus annual Safe Deposit Box rental fee discount of $15 (subject to availability and requires a onetime $10 key deposit) |
| Money Back Checking |
|---|
|
Recommended if… |
|
You use your debit card to make purchases and are looking for cash back |
|
Minimum Opening Deposit |
|
$25 |
|
Is there a Monthly Service Fee? |
|
No |
|
Does the account pay interest? |
|
No |
|
Do I receive cash back on debit card purchases? |
|
Cash back of 3% is paid on the net VISA® debit card purchase transactions with a maximum payout of $15 per month |
|
May I request paper statements? |
|
Yes, there is a $5 per month fee, eStatement and eNotice at no charge |
|
May I write checks? |
|
Yes |
|
Are there ATM fees assessed? |
|
Not if you use First Utah Bank or MoneyPass ATMs |
|
Free access to Mobile Banking, Internet Banking, Mobile Deposit and Alerts |
|
Yes |
|
Anything else? |
| Personal Checking |
|---|
|
Recommended if… |
|
You need a simple checking account |
|
Minimum Opening Deposit |
|
$25 |
|
Is there a Monthly Service Fee? |
|
No |
|
Does the account pay interest? |
|
No |
|
Do I receive cash back on debit card purchases? |
|
No |
|
May I request paper statements? |
|
Yes, there is a $5 per month fee, eStatement and eNotice at no charge |
|
May I write checks? |
|
Yes |
|
Are there ATM fees assessed? |
|
Not if you use First Utah Bank or MoneyPass ATMs |
|
Free access to Mobile Banking, Internet Banking, Mobile Deposit and Alerts |
|
Yes |
|
Anything else? |
| Full Service Checking |
|---|
|
Recommended if… |
|
You have larger account balances and you want to earn a very competitive interest rate and receive other benefits such as free checks and other free/discounted services |
|
Minimum Opening Deposit |
|
$25 |
|
Is there a Monthly Service Fee? |
|
Maintain a daily balance of $2,500 and we will waive the $12 monthly fee |
|
Does the account pay interest? |
|
Yes |
|
Do I receive cash back on debit card purchases? |
|
No |
|
May I request paper statements? |
|
Yes |
|
May I write checks? |
|
Yes and we’ll pay for four orders of checks per calendar year |
|
Are there ATM fees assessed? |
|
Not if you use First Utah Bank or MoneyPass ATMs |
|
Free access to Mobile Banking, Internet Banking, Mobile Deposit and Alerts |
|
Yes |
|
Anything else? |
|
One free domestic wire transfer per year (fees may be imposed by beneficiary bank), plus annual Safe Deposit Box rental fee discount of $15 (subject to availability and requires a onetime $10 key deposit) |
| Interest Checking |
|---|
|
Recommended if… |
|
You want to earn a bit of interest on your account balance |
|
Minimum Opening Deposit |
|
$25 |
|
Is there a Monthly Service Fee? |
|
No |
|
Does the account pay interest? |
|
Yes |
|
Do I receive cash back on debit card purchases? |
|
No |
|
May I request paper statements? |
|
Yes, there is a $5 per month fee, eStatement and eNotice at no charge |
|
May I write checks? |
|
Yes |
|
Are there ATM fees assessed? |
|
Not if you use First Utah Bank or MoneyPass ATMs |
|
Free access to Mobile Banking, Internet Banking, Mobile Deposit and Alerts |
|
Yes |
|
Anything else? |
Make First Utah Bank your first choice for checking accounts!
Here are four great reasons to choose First Utah Bank for your personal checking accounts
No ATM fees at First Utah Bank and MoneyPass ATMs
Make cash withdrawals from your checking accounts from more than 100 convenient ATMs in northern Utah and more than 40,000 ATMs worldwide.
Free eStatements and eNotices
eStatements and eNotices are the easy, convenient, secure, and green way to get statements and notices about your personal checking account.
Free mobile and online banking
With Mobile Banking and Internet Banking, you can manage your finances quickly, easily, and securely.
Security of Utah’s best community bank
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 FDIC.
What our customers say
“Excellent bank. Top-notch customer service as they are proactive and polite. Everything is simplified, efficient, and easy to work through compared to a large, national organization.”
“They take great care of my elderly dad. Always nice and efficient.”
