![A Bank of Utah debit card placed on top of a pecan pie, in a fall table-scape](https://www.bankofutah.com/uploads/image/image_file/1541/i540_Easy_as_Pie_Checking_Account.jpg)
My Utah is a sweet treat and a
checking account that's 'Easy' as pie!
You want an account that's simple and free to use!
With Easy Checking, you get banking that's 'Easy as Pie'
— full-service features with no monthly service charges
and simplicity baked right in!
Opening an account online takes 5 minutes or less. It's
the perfect choice for you — any way you slice it!
Benefits
![](https://www.bankofutah.com/uploads/image/image_file/767/i100_Bank1.jpg)
Bank Simply and Fee Free
With no service charges and no monthly balance requirement — 100% free
![](https://www.bankofutah.com/uploads/image/image_file/770/i100_Credit_card1.jpg)
Use Your Custom Debit Card
With multiple ways to pay, including access to Apple Pay, Google Pay and Samsung Pay for digital payments
![](https://www.bankofutah.com/uploads/image/image_file/780/i100_Statement1.jpg)
Enjoy Peace of Mind
With our eStatement Promise, where your statements are saved digitally for seven years, even if you close your account
![](https://www.bankofutah.com/uploads/image/image_file/773/i100_i100_Fraud1.jpg)
Protect Against Fraud
With Zero Liability debit and credit card protection, and fraud protection features within CardValet
![](https://www.bankofutah.com/uploads/image/image_file/777/i100_Mobile1.jpg)
Bank Anytime, Anywhere
With online and mobile banking, and Zelle®, a free, virtual way to send and receive cash
![](https://www.bankofutah.com/uploads/image/image_file/769/i100_ATM1.jpg)
Get Cash or Make Deposits Conveniently
With branch ATMs, which accept deposits and withdrawals, or with free withdrawals at MoneyPass ATMs across the U.S.
Features
- Open your account with as little as $100.
- Don’t worry about a minimum account balance – there isn’t one.
- Access your funds as often as you need, with unlimited deposits and withdrawals.
- Attach one of three overdraft options to protect your account.
- Get access to budgeting tools and spending trackers to help you manage your money — all within Bank of Utah's online banking and mobile app.
Opening an account is safe, easy, and can be done in as little as 5 minutes.
Here's a short glimpse of the process:
- Provide your personal information; just a few basics – no documentation needed.
- 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.
- Read and agree to the disclosures associated with the account.
- Order any extras that may come with the account, such as a debit card, checks or overdraft protection.
- Check your email for confirmation or next steps.
When opening an account, you can be confident that our secure banking technology will protect you throughout the process. Learn more here.