Utah / Accounts

Checking accounts at Utah banks and credit unions

218 personal checking accounts at 73 banks and credit unions in Utah, as their own websites describe them.

Personal checking accounts at Utah banks and credit unions: what each charges a month, how to avoid the fee, and what it takes to open one. Credit union accounts need membership first; each credit union's page says who can join.

At a glance

No monthly fee
108 accounts at 54 banks and credit unions
A fee you can avoid
55 accounts
No minimum to open
22 accounts

01 / Compare

Compare checking accounts

Checking accounts: what each bank's and credit union's website says
AccountMonthly feeHow to avoid itTo openEarnsFor
Premium CheckingAmerica First Credit Union $6 a month $500 direct deposit, 20 transactions or $1,500 balance No minimum Yes Everyone
Classic CheckingAmerica First Credit Union None No fee No minimum Not stated Everyone
Money Market CheckingAmerica First Credit Union None No fee $10,000 Yes Everyone
Youth CheckingAmerica First Credit Union None No fee Not stated Not stated Children and teens
MyStyle CheckingMountain America Credit Union $7 a month 20 transactions, age or $10,000 balance No minimum Not stated Everyone
MyFree CheckingMountain America Credit Union None No fee No minimum Not stated Everyone
Everyday CheckingWells Fargo $15 a month $500 direct deposit, $1,500 balance, $5,000 balance, age or other conditions $25 No Everyone
Clear Access BankingWells Fargo $5 a month Age, $250 direct deposit or other conditions $25 No Everyone
Prime CheckingWells Fargo $25 a month $20,000 balance $25 Yes Everyone
Premier CheckingWells Fargo $35 a month $250,000 balance $25 Yes Everyone
Reward Yourself CheckingGoldenwest Credit Union $5 a month Other conditions Not stated Not stated Everyone
SMARTStart CheckingGoldenwest Credit Union None No fee Not stated Not stated Children and teens
SMARTPay CheckingGoldenwest Credit Union None No fee Not stated Yes Everyone
Chase Total CheckingChase $15 a month $500 direct deposit, $1,500 balance, $5,000 balance or other accounts with them Not stated Not stated Everyone
Chase Secure BankingChase $4.95 a month $250 direct deposit or age Not stated Not stated Everyone
Chase Premier Plus CheckingChase $25 a month $15,000 balance, other accounts with them or other conditions Not stated Not stated Everyone
Chase Private Client CheckingChase $35 a month $150,000 balance or other accounts with them Not stated Not stated Everyone
Chase First BankingChase None No fee Not stated Not stated Children and teens
Chase High School CheckingChase None No fee Not stated Not stated Children and teens
Bank Smartly CheckingU.S. Bank $12 a month $1,500 balance, $1,500 direct deposit, other accounts with them, age or other conditions $25 Yes Everyone
Teen CheckingU.S. Bank None Age $25 Not stated Children and teens
Young Adult & Student CheckingU.S. Bank None Age $25 Not stated Students
Safe Debit AccountU.S. Bank $4.95 a month Not stated $25 Not stated Everyone
Key Smart CheckingKeyBank None No fee $10 No Everyone
Key Select CheckingKeyBank $25 a month Other conditions, $15,000 balance or $3,000 direct deposit $50 Yes Everyone
KeyBank Hassle-Free AccountKeyBank None No fee $10 No Everyone
Key Private Client CheckingKeyBank None No fee $50 Not stated Some customers
Advantage SafeBalance Banking for Family BankingBank of America $4.95 a month Age, $500 balance or other accounts with them $25 No Children and teens
Advantage SafeBalance BankingBank of America $4.95 a month Age, $500 balance or other accounts with them $25 No Everyone
Advantage Plus BankingBank of America $12 a month $250 direct deposit, $1,500 balance or other accounts with them $100 No Everyone
Advantage Relationship BankingBank of America $25 a month $20,000 balance or other accounts with them $100 Yes Everyone
Basic CheckingUtah Community Credit Union None No fee No minimum Not stated Everyone
Elevated CheckingUtah Community Credit Union $6 a month $500 direct deposit, 15 transactions, $1,500 balance or age No minimum Not stated Everyone
Elevated Plus CheckingUtah Community Credit Union $10 a month Not stated No minimum Yes Everyone
Youth CheckingUtah Community Credit Union None No fee No minimum Not stated Children and teens
Basic CheckingCyprus Credit Union None No fee Not stated Not stated Everyone
Dream Rewards CheckingCyprus Credit Union $5 a month 20 transactions Not stated Not stated Everyone
Fresh Start CheckingCyprus Credit Union $5 a month Not stated $25 Not stated Some customers
Learn & Earn CheckingCyprus Credit Union None No fee Not stated Not stated Children and teens
Totally Free CheckingAltabank None No fee No minimum No Everyone
Easy Interest CheckingAltabank None No fee Not stated Yes Everyone
Premier Interest CheckingAltabank $6 a month $1,500 balance Not stated Yes Everyone
50+ Interest CheckingAltabank None No fee Not stated Yes Older adults
Easy CheckingBank of Utah None No fee $100 Not stated Everyone
Easy Checking for StudentsBank of Utah None No fee $25 Not stated Students
EvergreenBank of Utah $10 a month $10,000 balance $100 Yes Everyone
Thrive CheckingBank of Utah None No fee $5 Not stated Some customers
Rewards CheckingCanyon View Credit Union None No fee Not stated Not stated Everyone
Dividends CheckingCanyon View Credit Union None No fee Not stated Yes Everyone
Simply Spend CheckingCanyon View Credit Union None No fee Not stated Not stated Everyone
Mojo Youth CheckingCanyon View Credit Union None No fee Not stated Not stated Children and teens
Cache CheckingCache Valley Bank None No fee $50 Not stated Everyone
Silver CheckingCache Valley Bank Not stated Not stated $2,000 Yes Everyone
Gold CheckingCache Valley Bank Not stated Not stated $20,000 Yes Everyone
Platinum CheckingCache Valley Bank Not stated Not stated $50,000 Yes Everyone
Youth & Senior AccountsCache Valley Bank None No fee Not stated Yes Some customers
SBSU High InterestState Bank of Southern Utah None No fee $20 Yes Everyone
SBSU Cash BackState Bank of Southern Utah None No fee $20 Not stated Everyone
SBSU EatsState Bank of Southern Utah None No fee $20 Not stated Everyone
SBSU PlayState Bank of Southern Utah None No fee $20 Not stated Everyone
Student AccountState Bank of Southern Utah None No fee $10 Not stated Students
Basic Spend AccountGranite Credit Union None No fee Not stated Not stated Everyone
Simple Spend AccountGranite Credit Union None No fee Not stated Not stated Some customers
Dividend+ Spend AccountGranite Credit Union None No fee Not stated Yes Everyone
On Course Teen Spend AccountGranite Credit Union None No fee Not stated Not stated Children and teens
Free CheckingCentral Bank None No fee $50 Not stated Everyone
62+ Free Interest CheckingCentral Bank None No fee $50 Yes Older adults
High-Yield CheckingChartway Credit Union None No fee Not stated Yes Everyone
Cash Back CheckingChartway Credit Union None No fee No minimum Not stated Everyone
Essential CheckingChartway Credit Union No Monthly Fee with $500 Direct Deposit and eStatements $500 direct deposit or eStatements Not stated Not stated Everyone
Student CheckingChartway Credit Union None No fee No minimum Not stated Students
Regular CheckingDeseret First Credit Union None No fee Not stated Not stated Everyone
Student CheckingDeseret First Credit Union None No fee Not stated Not stated Students
Cash Back CheckingDeseret First Credit Union None No fee Not stated Not stated Everyone
Interest CheckingDeseret First Credit Union None No fee Not stated Yes Everyone
Platinum CheckingDeseret First Credit Union None No fee Not stated Yes Everyone
Platinum Rewards CheckingDeseret First Credit Union None No fee Not stated Yes Everyone
Free CheckingSecurity Service Federal Credit Union None No fee $25 Not stated Everyone
Power Protected CheckingSecurity Service Federal Credit Union $9 a month Not stated $25 Yes Everyone
Youth CheckingSecurity Service Federal Credit Union None No fee Not stated Not stated Children and teens
Personal CheckingUtah First Credit Union $6.95 a month 13 transactions, other accounts with them, $10,000 balance, $500 direct deposit, age or other conditions Not stated Yes Everyone
Youth CheckingUtah First Credit Union None No fee Not stated Not stated Children and teens
Totally Free CheckingFirst Community Bank Utah None No fee No minimum No Everyone
Easy Interest CheckingFirst Community Bank Utah None No fee No minimum Yes Everyone
50+ Interest CheckingFirst Community Bank Utah None No fee No minimum Yes Older adults
Premier Interest CheckingFirst Community Bank Utah $6 a month $1,500 balance No minimum Yes Everyone
Free CheckingWaFd Bank None No fee $25 Not stated Everyone
Rewards CheckingWaFd Bank $6 a month Not stated $25 Not stated Everyone
Premium Rewards CheckingWaFd Bank $9 a month Not stated $25 Not stated Everyone
Interest CheckingWaFd Bank $12 a month $5,000 balance or $50,000 balance $25 Yes Everyone
Fresh StartWaFd Bank $4 a month Not stated $25 Not stated Some customers
Primary CheckingAmerican United Federal Credit Union None No fee Not stated Yes Everyone
GoldStar CheckingAmerican United Federal Credit Union $10 a month $2,500 balance or $300 direct deposit Not stated Yes Everyone
ATM CheckingAmerican United Federal Credit Union Not stated Not stated Not stated No Everyone
Fresh Start CheckingAmerican United Federal Credit Union $7 a month $750 balance Not stated No Some customers
Empowered CheckingAmerican United Federal Credit Union Not stated Not stated Not stated Not stated Some customers
Power CheckingUtah Power Credit Union None No fee Not stated Not stated Everyone
Free Community CheckingD.L. Evans Bank None No fee $100 Not stated Everyone
Secure CheckingD.L. Evans Bank $7 a month EStatements $100 Not stated Everyone
Interest CheckingD.L. Evans Bank $8 a month $1,500 balance $100 Yes Everyone
Premier CheckingD.L. Evans Bank None No fee $100 Not stated Older adults
Premier Plus CheckingD.L. Evans Bank $8 a month $1,500 balance $100 Yes Older adults
Idaho Medical CheckingD.L. Evans Bank $7 a month $200 balance $100 Yes Some customers
Student CheckingD.L. Evans Bank None No fee Not stated Not stated Students
Money Back CheckingFirst Utah Bank None No fee $25 No Everyone
Personal CheckingFirst Utah Bank None No fee $25 No Everyone
Full Service CheckingFirst Utah Bank Not stated Not stated $25 Yes Everyone
Interest CheckingFirst Utah Bank None No fee $25 Yes Everyone
Advantage CheckingVista Bank $10 a month $1,000 balance or other conditions $100 Yes Everyone
Everyday CheckingVista Bank $8 a month Other conditions or age $100 No Everyone
A+ Spending AccountAlpine Credit Union None No fee Not stated Not stated Everyone
Loop Cashback Spending AccountAlpine Credit Union $5 a month EStatements, $500 direct deposit, 10 transactions or other conditions Not stated Not stated Everyone
Student Spending AccountAlpine Credit Union None No fee Not stated Not stated Students
Fresh Start Spending AccountAlpine Credit Union $7 a month Not stated Not stated Not stated Some customers
Free CheckingWasatch Peaks Credit Union None No fee Not stated Yes Everyone
Cash Back CheckingWasatch Peaks Credit Union None No fee Not stated Not stated Everyone
High Dividend CheckingWasatch Peaks Credit Union None No fee Not stated Yes Everyone
CLIMB CheckingWasatch Peaks Credit Union Not stated Not stated Not stated Not stated Not stated
BMO Smart Advantage CheckingBMO None No fee $25 Not stated Everyone
BMO Smart Money CheckingBMO $5 a month Age $25 Not stated Everyone
BMO Relationship CheckingBMO $25 a month $10,000 balance, $25,000 balance or other conditions $25 Yes Everyone
Platinum CheckingBrighton Bank Not stated Not stated Not stated Yes Everyone
Gold CheckingBrighton Bank Not stated Not stated Not stated Not stated Not stated
Silver CheckingBrighton Bank Not stated Not stated Not stated Not stated Not stated
Bronze CheckingBrighton Bank Not stated Not stated Not stated Not stated Not stated
CheckingHorizon Credit Union None No fee Not stated Not stated Everyone
Cash Back CheckingJordan Credit Union None No fee Not stated Not stated Everyone
Elite CheckingJordan Credit Union None No fee Not stated Not stated Everyone
Teen Rewards CheckingJordan Credit Union None No fee Not stated Not stated Children and teens
Premier CheckingDesert Rivers Credit Union $15 a month $1,000 direct deposit, 15 transactions, eStatements or other accounts with them Not stated Yes Everyone
Value CheckingDesert Rivers Credit Union None No fee Not stated Not stated Everyone
Youth Account CheckingDesert Rivers Credit Union Not stated Not stated Not stated Not stated Not stated
Star CheckingGrand Valley Bank $10 a month $5,000 balance $100 Not stated Everyone
Star Plus CheckingGrand Valley Bank $15 a month $10,000 balance $100 Yes Everyone
EZ CheckingGrand Valley Bank $7.50 a month 10 transactions or eStatements $100 Not stated Everyone
Star Student CheckingGrand Valley Bank None No fee $50 Not stated Students
Free Summit CheckingGrand Valley Bank None No fee $100 Not stated Older adults
Benchmark CheckingGrand Valley Bank $7 a month $200 balance or $500 balance $100 Not stated Everyone
Free CheckingUtah Heritage Credit Union None No fee Not stated Not stated Everyone
Youth CheckingUtah Heritage Credit Union None No fee No minimum Not stated Children and teens
No-fee CheckingUtah Independent Bank Not stated Not stated $100 Not stated Everyone
Regular CheckingUtah Independent Bank No service fee with $200 daily balance in account $200 balance $200 Not stated Everyone
Now AccountUtah Independent Bank $8 a month $500 balance $500 Yes Everyone
Super Now AccountUtah Independent Bank $10 a month $600 balance $10,000 Yes Everyone
CheckingEastern Utah Community Credit Union Not stated Not stated Not stated Not stated Everyone
N.O.W. AccountEastern Utah Community Credit Union Not stated Not stated Not stated Not stated Everyone
Advantage CheckingElevate Credit Union $3.95 a month Not stated Not stated Not stated Everyone
Simply CheckingElevate Credit Union None No fee Not stated Not stated Everyone
Gold Tier CheckingHercules First Federal Credit Union None No fee Not stated Yes Everyone
Premier Tier CheckingHercules First Federal Credit Union $3 a month Other conditions Not stated Not stated Everyone
Regular CheckingHercules First Federal Credit Union None No fee Not stated Not stated Everyone
Youth Checking AccountHercules First Federal Credit Union Not stated Not stated Not stated Not stated Not stated
Checking (Share Draft)Members First Credit Union None No fee Not stated Not stated Everyone
Fresh Start CheckingMembers First Credit Union Low monthly maintenance fee Not stated Not stated Not stated Some customers
CheckingNorthrop Grumman Federal Credit Union None No fee Not stated Yes Everyone
Youth Journey CheckingNorthrop Grumman Federal Credit Union None No fee $25 Yes Children and teens
PH High DividendPacific Horizon Credit Union None No fee Not stated Yes Everyone
PH Cash BackPacific Horizon Credit Union None No fee Not stated Not stated Everyone
Classic CheckingPacific Horizon Credit Union None No fee No minimum Yes Everyone
Checking AccountSan Juan Credit Union None No fee Not stated Not stated Everyone
Member CheckingChevron Federal Credit Union None No fee Not stated Yes Everyone
New Solutions CheckingChevron Federal Credit Union $5 a month Not stated Not stated No Some customers
Columbia Foundation CheckingColumbia Bank $3 a month Age or other conditions $25 Not stated Everyone
Columbia Embark CheckingColumbia Bank $3 a month Age or eStatements $25 Yes Everyone
Columbia Pinnacle CheckingColumbia Bank $20 a month $15,000 balance or $25,000 balance $200 Yes Everyone
CheckingDesertview Federal Credit Union None No fee Not stated Yes Everyone
Checking AccountFirefighters Credit Union None No fee No minimum Not stated Everyone
Share Draft Checking AccountMillard County Credit Union None No fee Not stated Not stated Everyone
Share Draft CheckingP&S Credit Union None No fee Not stated Not stated Everyone
Student Checking AccountP&S Credit Union None No fee Not stated Not stated Students
Traditional Checking AccountSunwest Bank $10 a month $1,000 balance or $2,000 balance $100 Not stated Everyone
Low-Cost Checking AccountSunwest Bank $4 a month Not stated $100 Not stated Everyone
Interest Plus CheckingSunwest Bank $12 a month $1,500 balance or $2,500 balance $100 Yes Everyone
Banterra Green CheckingBanterra Bank $5 a month $500 balance, $2,500 balance, $2 direct deposit, 8 transactions, other conditions or age $100 Not stated Everyone
Banterra SmartChoice CheckingBanterra Bank $6 a month Not stated $100 Not stated Everyone
Banterra InterestPlus CheckingBanterra Bank $15 a month $5,000 balance or $20,000 balance $1,000 Yes Everyone
Banterra Restart CheckingBanterra Bank $9.95 a month Direct deposit $50 Not stated Some customers
Banterra Restart BasicBanterra Bank $9.95 a month Direct deposit $50 Not stated Some customers
SIU Saluki CheckingBanterra Bank Not stated Not stated Not stated Not stated Not stated
PowerPlus CheckingBCU Not stated Not stated Not stated Yes Everyone
Benefits CheckingBCU $8.95 a month Not stated Not stated Not stated Everyone
Go CheckingBCU None No fee No minimum Not stated Everyone
Original CheckingBonneville Bank None No fee $50 Not stated Everyone
Premier CheckingBonneville Bank $6 a month Age $100 Not stated Everyone
Money Market CheckingBonneville Bank $8 a month $2,500 balance Not stated Yes Everyone
Free CheckingDelta Community Credit Union None No fee No minimum Not stated Everyone
Interest CheckingDelta Community Credit Union $10 a month $1,500 balance or other conditions Not stated Yes Everyone
SpendSafe CheckingDelta Community Credit Union None No fee Not stated Not stated Some customers
Free CheckingDevil's Slide Federal Credit Union None No fee Not stated Not stated Everyone
Checking AccountEducation First Credit Union Not stated Not stated No minimum Not stated Everyone
Teen CheckingEducation First Credit Union Not stated Not stated Not stated Not stated Children and teens
Super 60 CheckingEducation First Credit Union Not stated Not stated Not stated Not stated Older adults
Premier CheckingEducation First Credit Union Not stated Not stated No minimum Not stated Everyone
Consumer Free CheckingFinWise Bank Not stated Not stated Not stated Not stated Not stated
Consumer & Sole Proprietor NOW AccountFinWise Bank Not stated Not stated $500 Yes Everyone
Checking AccountsHi-Land Credit Union Not stated Not stated Not stated Yes Everyone
Base Camp CheckingKings Peak Credit Union Not stated Not stated Not stated Not stated Not stated
Mountain PassKings Peak Credit Union Not stated Not stated Not stated Not stated Not stated
Checking AccountLogan Medical Federal Credit Union None No fee Not stated Not stated Everyone
Draft Accounts / CheckingLU 354 IBEW Federal Credit Union Not stated Not stated Not stated Not stated Not stated
eTranz AccountNational JACL Credit Union None No fee Not stated Yes Everyone
Smart Checking AccountNational JACL Credit Union None No fee Not stated Yes Everyone
Checking AccountNephi Western Federal Credit Union Not stated Not stated Not stated Not stated Not stated
Personal CheckingNew Heights Federal Credit Union Not stated Not stated Not stated Not stated Not stated
Personal Checking AccountNorthwest Bank Not stated Not stated Not stated Not stated Not stated
Alliance CheckingPrime Alliance Bank None No fee Not stated No Everyone
Personal Interest CheckingPrime Alliance Bank None No fee Not stated Yes Everyone
Free Checking AccountRedemption Bank None No fee Not stated Not stated Everyone
N.O.W. CheckingRedemption Bank Not stated Not stated Not stated Yes Everyone
Free CheckingRidgeline Credit Union Not stated Not stated Not stated Yes Everyone
Free Checking AccountStride Bank None No fee $100 No Everyone
Stride Checking AccountStride Bank $6 a month Other conditions $100 Yes Everyone
Stride Senior Checking AccountStride Bank $5 a month Other conditions $100 No Older adults
UMB Select CheckingUMB Bank $20 a month $5,000 balance, $10,000 balance or $25,000 balance $1,000 Yes Everyone
UMB Value CheckingUMB Bank $8 a month $1,500 balance, $3,000 balance or $250 direct deposit $100 Not stated Everyone
UMB Free CheckingUMB Bank None No fee $10 Not stated Everyone
UMB Check-Free BankingUMB Bank $5 a month Not stated $10 Not stated Everyone
Checking AccountsVarex Federal Credit Union Not stated Not stated Not stated Yes Everyone

Not listed on their websites

We did not find checking accounts on the websites of 19 banks and credit unions. Some of their sites could not be read automatically; that does not mean they do not offer them.

Show the 19 banks and credit unions
How we check this

We read each bank's and credit union's own website and record what it says, with a link to the exact page and the date we checked it. Membership numbers, assets and founding years come from the federal agencies that insure deposits: the NCUA for credit unions and the FDIC for banks.

"Not listed on their site" means we did not find an answer on their website. It does not mean the service is unavailable: ask the bank or credit union.

More about how we check

Facts for your next visit.

See how we check