EZ Checking

My Utah is dramatic landscapes and
simple banking with full-service features.

You don’t want anything complicated.

You just want a straightforward way to manage your money.

Experience seamless and safe banking with our EZ Checking account,
and leave the complexity to Utah’s stunning scenery.

Get started — opening an account takes 5 minutes or less.

Open an Account


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Bank Simply and Fee Free

With no service charges and no monthly balance requirement — 100% free

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Use Your Custom Debit Card

With multiple ways to pay, including access to Apple Pay, Google Pay and Samsung Pay for digital payments

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Enjoy Peace of Mind

With our eStatement Promise, where your statements are saved digitally for seven years, even if you close your account

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Protect Against Fraud

With Zero Liability debit and credit card protection, and fraud protection features within CardValet

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Bank Anytime, Anywhere

With online and mobile banking, and Zelle®, a free, virtual way to send and receive cash

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Find Fee-Free ATMs

With the MoneyPass Network, which helps you locate ATMs across the U.S.


  • Open your account with as little as $100.
  • Don’t worry about a minimum account balance – there isn’t one.
  • Get unlimited access to your funds – deposit or withdraw your money as often as you need.
  • Attach one of three overdraft options to protect your account.

Opening an account is quick and easy and can be done in as little as 5 minutes.

Here's a short glimpse of the process:

  1. Provide your personal information; just a few basics – no documentation needed.
  2. Make your initial deposit into the account. Using a combination of either an account number and routing number OR username and password from another institution, transfer funds easily within the digital application.
  3. Read and agree to the disclosures associated with the account.
  4. Order any extras that may come with the account, such as a debit card, checks or overdraft protection.
  5. Check your email for confirmation or next steps.

Open an Account

Interested in a different type of checking account?

See More Options