D.L. Evans Bank in Utah: Overview

D.L. Evans Bank is a family-owned regional community bank headquartered in Burley, Idaho, with roots dating back to 1904, when David Lloyd Evans founded the bank in Albion, Idaho. Originally focused on serving local farmers and residents, the bank has expanded across Idaho and into Utah while maintaining its community-banking approach. Today, it serves Utah customers through a network of branches along with online and mobile banking services. This profile covers its Utah presence, customer service, checking and savings accounts, credit cards, loans, and business banking options.

History and Expansion

D.L. Evans Bank was founded in 1904 in Albion, Idaho, by David Lloyd Evans and a group of southern Idaho businessmen. The bank began as a community institution serving local residents, farmers, and businesses, and it remained family-owned as it gradually expanded beyond its original market.

A major step in that expansion came in 1979, when the bank opened a branch in Burley. Burley later became the bank’s headquarters and a central base for its continued growth across southern Idaho.

D.L. Evans Bank expanded into Utah in 2018 with the opening of its first branch in Tremonton. Since then, it has grown its Utah footprint to include branches in Brigham City, Layton, Logan, Murray, Orem, South Ogden, and Tremonton, extending its presence from northern Utah into the Salt Lake Valley and Utah County.

Today, D.L. Evans Bank remains a family-owned regional community bank serving customers across Idaho and Utah. Its growth has expanded the bank well beyond its original Albion roots while retaining an emphasis on local banking relationships and community-based service.

D.L. Evans Bank Products and Services

D.L. Evans Bank offers a broad range of personal banking and financial services for customers in Utah and Idaho. Its lineup includes everyday deposit accounts, lending products, credit cards, digital banking tools, and investment services.

Main products and services include:

• Checking accounts
• Savings accounts
• Money market accounts
• Certificates of Deposit (CDs)
• Credit cards
• Mortgages and home loans
• Auto and personal loans

Customers can also manage their accounts through online and mobile banking, with access to services such as transfers, bill pay, account alerts, and digital payments.

Checking Accounts at D.L. Evans Bank

dlevans.com | Checking Accounts

D.L. Evans Bank offers several personal checking accounts available to customers in Utah, ranging from basic everyday checking to interest-bearing and age-based options. Across the lineup, customers generally have access to online banking, mobile banking with mobile deposit, eStatements, Visa debit cards, direct deposit, bill pay, and surcharge-free ATM access through the MoneyPass network.

Free Community Checking

Free Community Checking is the bank’s basic checking account with no monthly service charge or minimum balance requirement.

Best for: Customers who want straightforward checking without a monthly fee.

• Monthly fee: $0
• Minimum balance requirement: None
• Minimum to open: $100
• Key benefit: No monthly service charge or minimum balance requirement

Interest Checking

Interest Checking is an interest-bearing account for customers who want to earn interest while maintaining everyday access to their money.

Best for: Customers who maintain larger checking balances and want to earn interest.

• Monthly fee: $8 if the minimum balance is not maintained
• Minimum balance requirement: $1,500 to avoid the monthly fee
• Minimum to open: $100
• Key benefit: Earns interest on qualifying balances

Premier Checking

Premier Checking is designed for customers age 50 and older and provides everyday checking without a monthly service charge.

Best for: Customers age 50 or older who want checking without a monthly fee.

• Monthly fee: $0
• Minimum balance requirement: None
• Minimum to open: $100
• Key benefit: No monthly service charge for eligible customers age 50 and older

Premier Plus Checking

Premier Plus Checking combines the bank’s Premier benefits with the ability to earn interest.

Best for: Customers age 50 or older who maintain higher balances and want an interest-bearing checking account.

• Monthly fee: $8 if the minimum balance is not maintained
• Minimum balance requirement: $1,500 to avoid the monthly fee
• Minimum to open: $100
• Key benefit: Interest-bearing checking with benefits for customers age 50 and older

Secure Checking

Secure Checking combines everyday banking with additional protection-related services.

Best for: Customers who want extra protection benefits bundled with their checking account.

• Monthly fee: $7, with a $2 credit for eStatement enrollment
• Minimum balance requirement: None
• Minimum to open: $100
• Key benefit: Includes identity, cell phone, roadside assistance, and other protection-related benefits

Student Checking

Student Checking is designed for eligible students who want a simple account with access to the bank’s digital banking services.

Best for: Students who want checking without a monthly service charge.

• Monthly fee: $0
• Minimum balance requirement: None
• Minimum to open:$100
• Key benefit: No monthly service charge or minimum balance requirement

Savings Accounts

D.L. Evans Bank offers several savings options for Utah customers, including traditional savings, money market accounts, health savings, student savings, and custodial accounts. Across the lineup, customers generally have access to online banking, mobile banking, eStatements, direct deposit, and MoneyPass ATM access where applicable. Interest rates and APYs can change, so current rates should be verified directly with D.L. Evans Bank.

Community Savings

Community Savings is the bank’s standard personal savings account designed for customers who want a simple place to build savings over time.

Best for: Customers who want a basic savings account with a relatively low balance requirement.

• Monthly fee: $3 if the minimum balance is not maintained
• Minimum balance requirement: $100 to avoid the monthly fee
• Minimum to open: $100
• Key benefit: Earns tiered interest on qualifying balances

Money Market Account

The Money Market Account combines savings with more flexible access to funds and tiered interest rates.

Best for: Customers who maintain larger savings balances and want greater access to their money.

• Monthly fee: $10 if the minimum balance is not maintained
• Minimum balance requirement: $2,500 to avoid the monthly fee
• Minimum to open: $100
• Key benefit: Tiered interest rates with check-writing access

Executive Money Market Account

Executive Money Market is designed for customers who maintain significantly larger balances and want access to higher interest tiers.

Best for: Customers with larger cash balances who want a higher-tier money market option.

• Monthly fee: $15 if the minimum balance is not maintained
• Minimum balance requirement: $25,000 to avoid the monthly fee
• Minimum to open: $100
• Key benefit: Higher interest tiers for larger balances

Health Savings Account

The Health Savings Account allows eligible customers with a qualifying high-deductible health plan to set aside money for qualified medical expenses.

Best for: Eligible customers who want a tax-advantaged way to save for healthcare expenses.

• Monthly fee: $7 if the minimum balance is not maintained
• Minimum balance requirement: $200 to avoid the monthly fee
• Minimum to open: $100
• Key benefit: Tax-advantaged savings for qualified medical expenses

Certificates of Deposit

D.L. Evans Bank offers Certificates of Deposit (CDs) for customers who want a fixed-rate savings option and are comfortable keeping their money deposited for a set period. The bank offers terms ranging from 7 days to 5 years, giving customers flexibility to choose a short- or longer-term savings strategy.

• Minimum to open: $500
• Available terms: 7 days to 5 years
• Interest: Fixed for the selected term
• Interest payment options: Can be added to the CD or credited to another D.L. Evans Bank account
• Monthly maintenance fee: $0
• Automatic renewal: Available
• Early withdrawal: Subject to a penalty
• FDIC insurance: Eligible deposits are covered within applicable FDIC limits. See what FDIC Insurance means to Utah banks customers.

D.L. Evans Bank also offers IRA CDs as part of its retirement account lineup, including Traditional IRAs, Roth IRAs, SEP IRAs, and Coverdell Education Savings Accounts.

For customers with larger deposits, the bank also participates in CDARS and ICS, services that can spread deposits among participating financial institutions to provide access to expanded FDIC insurance coverage while allowing the customer to work through D.L. Evans Bank.

CD rates and APYs can change over time, so customers should verify current rates and available terms directly with D.L. Evans Bank before opening a certificate.

Credit Cards at D.L. Evans Bank

dlevans.com | Card Services

D.L. Evans Bank offers 3 personal Visa credit cards: a Low-Rate Credit Card, Rewards Credit Card, and Signature Rewards Credit Card. All 3 have no annual fee, fraud protection, contactless technology, My Cards controls, and integration with D.L. Evans Bank online banking. The 2 rewards cards earn points on qualifying purchases, while the Low-Rate card focuses on a lower variable rate.

Visa Low-Rate Credit Card

The Visa Low-Rate Credit Card is a straightforward option designed for customers who prefer a lower variable rate and do not need a rewards program.

Best for: Customers who keep lower balances, want a simple card, or are working on building credit.

• Annual fee: $0
• Rewards: None
• Welcome offer: None
• Intro APR: 0% for 6 months on purchases and balance transfers completed within 6 months of the open date
• Other perks: $500 minimum credit limit, contactless technology, My Cards controls, digital wallet support, fraud protection, and online banking integration

Visa Rewards Credit Card

The Visa Rewards Credit Card is designed for customers who want to earn points on qualifying purchases while avoiding an annual fee.

Best for: Customers who want a simple rewards card for everyday spending.

• Annual fee: $0
• Rewards: 1.5 points per $1 spent on qualified purchases
• Welcome offer: None
• Intro APR: 0% for 6 months on purchases and balance transfers completed within 6 months of the open date
• Other perks: $500 minimum credit limit, no international transaction fee, contactless technology, My Cards controls, digital wallet support, fraud protection, and online banking integration

Visa Signature Rewards Credit Card

The Visa Signature Rewards Credit Card combines the same rewards rate with a higher minimum credit limit and additional Visa Signature benefits.

Best for: Customers who want rewards and additional Visa Signature benefits.

• Annual fee: $0
• Rewards: 1.5 points per $1 spent on qualified purchases
• Welcome offer: None
• Intro APR: 0% for 6 months on purchases and balance transfers completed within 6 months of the open date
• Other perks: $5,000 minimum credit limit, no international transaction fee, Visa Signature benefits, contactless technology, My Cards controls, digital wallet support, fraud protection, and online banking integration

Loans

dlevans.com | Personal Loans

D.L. Evans Bank offers several consumer lending options for Utah customers, including personal loans, auto loans, home equity financing, mortgages, and construction loans. Loan availability, rates, terms, and credit requirements vary by product and borrower.

Personal Loans

D.L. Evans Bank provides personal lending for a variety of borrowing needs, including secured and unsecured financing.

Main options include:

• Personal loans
• Auto and vehicle loans
• Recreational vehicle loans
• Home equity loans and lines of credit
• Other secured consumer loans

These products can be used for major purchases, debt consolidation, unexpected expenses, or other personal financing needs, depending on the loan type.

Mortgages and Home Loans

D.L. Evans Bank offers mortgage financing for home purchases, refinancing, construction, and other residential lending needs. The bank works with borrowers through mortgage loan officers, including lending professionals serving its Utah markets.

Mortgage options may include:

• Conventional mortgages
• FHA loans
• VA loans
• USDA loans
• Jumbo loans
• Construction loans
• Home equity financing
• Refinancing

Mortgage rates, down payment requirements, eligibility, and loan terms can change, so borrowers should confirm current options directly with D.L. Evans Bank.

Business Checking

D.L. Evans Bank offers business banking services for companies in Utah and Idaho, with options for everyday deposit needs, cash management, borrowing, and business credit. Its business services are designed for organizations ranging from small local businesses to larger companies with more complex banking needs.

Main business banking products and services include:

• Community Business Checking
• Business Analysis Checking
• Business Interest Checking
• Business savings accounts
• Business online and mobile banking
• Online bill pay
• Cash management services
• Commercial loans
• SBA loans
• Commercial real estate financing
• Visa business credit cards

D.L. Evans Bank is also an SBA Preferred Lender, allowing it to process and approve eligible SBA loans through a streamlined lending process. Business customers can also use digital banking tools to monitor balances, transfer funds, make payments, and manage day-to-day account activity.

Conclusion

D.L. Evans Bank is a long-established family-owned regional community bank with roots in Idaho and a growing presence in Utah. Since entering Utah in 2018, the bank has expanded to several cities across northern Utah, the Salt Lake Valley, and Utah County. Its lineup includes personal checking and savings accounts, CDs, credit cards, consumer loans, mortgages, and a broad range of business banking services.

The bank may be a good fit for Utah customers who prefer a regional institution with physical branches, traditional banking products, and local lending relationships. Fees, rates, account features, lending terms, and product availability can change, so customers should verify current details directly with D.L. Evans Bank before opening an account or applying for a financial product.

Related Banks

COMPARING OPTIONS?

Disclaimer:
This page is not affiliated with, maintained by, or sponsored by D.L. Evans Bank. The information provided in this overview may be outdated or inaccurate after the publication date. UtahFi does not assume responsibility for the accuracy of the content. The D.L. Evans Bank logo is a registered trademark of D.L. Evans Bank.