Bank of Utah Easy Checking Review

 Bank of Utah Easy Checking is a basic personal checking account for everyday banking. It is built for people who want a simple account with no monthly fee, no minimum balance requirement, and standard tools for spending, deposits, transfers, and bill payments.

The main benefit is its straightforward, low-cost structure. The main tradeoff is that it is not an interest-bearing checking account, so it is better for daily banking than for keeping larger balances long term. It is a practical fit for someone who wants a local checking account focused on easy everyday use instead of extra yield or complicated account rules.

If you are comparing simple local options, this is the kind of account worth reviewing alongside UtahFi’s Best Checking Accounts in Utah.

If you are looking for a business account from this bank, read our review of Bank of Utah Free Business Checking.

Quick Summary

Key Details

Basic Account Details

• Monthly fee: $0
• How to avoid the fee: N/A
• Minimum opening deposit: $100
• Minimum balance requirement: No
• Interest-bearing or not: No

Access and Banking Tools

• Debit card: Visa debit card included
• Checks: Available to order
• Digital wallet: Apple Pay, Google Pay, and Samsung Pay available
• ATM access: MoneyPass ATM access available
• Online banking: Available
• Mobile banking: Bank of Utah Mobile App available
• Zelle or other P2P payments: Zelle available
• Online bill pay: Available
• Account alerts: Custom alerts available
• Customer service: In-branch and phone support available
• Availability in Utah if relevant: Available online and at Bank of Utah branches in Utah

Overdraft and Transaction Costs

• Overdraft fee: $20
• NSF fee: $20

Bank of Utah Easy Checking covers the main features most people want from a basic checking account. The strongest point here is simple everyday access. You get the core tools for spending, transfers, and account management without a monthly fee or a balance rule that you have to keep watching.

It also helps that the account keeps the setup simple while still offering useful modern tools. You get a Visa debit card, Apple Pay, Google Pay, Samsung Pay, Zelle, online banking, the Bank of Utah Mobile App, custom alerts, and MoneyPass ATM access. For someone who wants a local Utah bank account with standard modern tools and the option for in-branch and phone support, this is a practical and easy-to-understand feature set.

What This Account Offers

Bank of Utah Easy Checking is built for everyday banking. It gives you a simple place to receive direct deposits, make debit card purchases, pay bills, move money, and manage routine account activity without a monthly maintenance fee or a minimum balance requirement. That makes it a practical option for people who want a checking account that is easy to use and easy to keep open.

In real use, the biggest value here is simplicity. You do not have to manage complicated balance rules just to avoid a fee, and you still get the tools many people use most often, including online banking, the Bank of Utah Mobile App, Zelle, custom alerts, digital wallet support, and MoneyPass ATM access. That gives the account a more modern feel than a bare-bones checking account, even though it stays focused on basic day-to-day use.

This account can also work well for people who still want a local Utah bank instead of an online-only option. If you like having branch access for questions, account help, or future banking needs, that can be a real advantage. At the same time, this is still a non-interest-bearing checking account, so it is better for spending and money movement than for keeping larger balances long term.

Deposits in this account are insured by the FDIC through Bank of Utah for up to $250,000 per depositor, per ownership category. Read our What FDIC Insurance Means for Utah Bank Customers guide if you want to learn more about deposit insurance.

Fees to Know

How to Open the Account

You can open Bank of Utah Easy Checking online or in a branch. The minimum opening deposit is $100. If you want to prepare before applying, our guide on how to open a bank account in Utah is a good place to start.

Bank of Utah says opening an account takes 5 minutes or less. The online process includes entering your personal information, making your initial deposit, reviewing the disclosures, and checking your email for confirmation or next steps. If you prefer in-person help, you can also open the account at a branch.

Documents Needed

• Name
• Email address
• Phone number
• Date of birth
• Social Security number
• Address
• Account information for the opening deposit: $100 cash or electronic transfer.
• If you are opening the account with another person, have all applicants present during the application process.
• If you are opening a joint account, have the same information ready for each applicant.

Pros and Cons

Pros

• No monthly maintenance fee
• No minimum balance requirement
• Visa debit card included
• Apple Pay, Google Pay, and Samsung Pay available
• MoneyPass ATM access available
• Zelle available
• In-branch and phone support available
• Can be opened online or in a branch

Cons

• No interest on balances
• Overdraft fee and NSF fee can still apply
• Non-Bank of Utah ATM withdrawals cost $1 per withdrawal
• eStatements required
• Best fit for basic everyday banking, not for people looking for interest or premium checking features

Who This Account May Be Best For

Bank of Utah Easy Checking may be a good fit for someone who wants simple everyday banking with a local Utah bank and no monthly fee. It makes the most sense for people who care more about easy account access, debit card use, digital banking tools, and routine money management than about earning interest on their balance.

It can also work well for someone who wants a checking account for paychecks, bills, debit card purchases, and regular spending while keeping savings somewhere else. If you want to compare more options before deciding for the Bank of Utah Easy Checking, take a look at UtahFi’s Best Checking Accounts in Utah.

Final Thoughts

Bank of Utah Easy Checking stands out for being a simple no-fee checking account for everyday use. Its biggest strength is that it keeps routine banking straightforward while still including useful tools like a Visa debit card, digital wallet support, Zelle, custom alerts, and MoneyPass ATM access.

Its main limitation is that it does not earn interest, and it is built more for spending and everyday money management than for keeping larger balances long term. It is a practical fit for someone who wants a local Utah bank account with standard modern features and easy day-to-day use. You can also read our Bank of Utah profile for a broader look at the institution.

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Disclaimer:
This page is not affiliated with, maintained by, or sponsored by Bank of Utah. Information may change after publication, so please verify details directly with the institution. UtahFi does not guarantee the accuracy of this content. The name and logo are trademarks of BOU Bancorp, Inc.