Best Checking Accounts & Rates in Utah - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Utah include Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT 84020 9414A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, State Bank of Southern UtahState Bank of Southern Utah122 S Main St, Gunnison, UT 84634A+5.0 ★Texas Ratio: 5.81% High Interest Checking at 5.00% APY, HERCULES FIRSTHERCULES FIRST3141 W 4700 S, Taylorsville, UT 84129 2525A5.0 ★Texas Ratio: 8.30% Gold Tier Checking at 4.33% APY, Pacific Horizon Credit UnionPacific Horizon Credit Union96 E Center St, Springville, UT 84663C4.0 ★Texas Ratio: 27.08% High Dividend Checking at 3.00% APY, and Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union3012 S 1900 W, Ogden, UT 84401A+5.0 ★Texas Ratio: 2.55% Z-CheckingTM Cash Back at 3.00% APY.
Looking for the best checking accounts in Utah? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Utah, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in Utah. Checking Account Rates Last Updated and Verified: March 20, 2026
Utah Checking Rate Trends
Compare local Utah checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Utah high-yield checking rates rose 0.545 points this week to 0.795% APY, up from 0.250% last week.
Utah rewards checking rates fell 0.773 points this week to 0.671% APY, down from 1.444% last week.
Compare Checking Account Rates Today in Utah
Draper, UT 84020 9414
Qualifying balance up to $15000
Gunnison, UT 84634
Qualifying balance up to $20,000
Taylorsville, UT 84129 2525
No additional details provided.
Draper, UT 84020 9414
Qualifying balance up to $15000
Gunnison, UT 84634
Qualifying balance up to $50,000
Springville, UT 84663
No additional details provided.
Ogden, UT 84401
Qualifications Required: Have at least 12 debit card purchases post and settle; Be enrolled and log into Online Banking at least one time; Be enrolled in eStatements; cash back on first $200 spent; Up to $6.00 cash back per month
Moab, UT 84532 2132
**
Sandy, UT 84070
Qualifications Required: Receive electronic statements (Online Statements); Have 10 debit card point-of-sale transactions post and clear during the qualification cycle; Have at least one direct deposit or one auto-debit via ACH during the qualification cycle; Qualifying balance up to $300.00
Taylorsville, UT 84129 2525
No additional details provided.
Lehi, UT 84043
No additional details provided.
West Valley City, UT 84120
Qualifying balance up to $10,000.00
Salt Lake City, UT 84111
No additional details provided.
Salt Lake City, UT 84111
No additional details provided.
Salt Lake City, UT 84109
No additional details provided.
Salt Lake City, UT 84111
No additional details provided.
Salt Lake City, UT 84111
No additional details provided.
Salt Lake City, UT 84109
No additional details provided.
Salt Lake City, UT 84109
No additional details provided.
Salt Lake City, UT 84109
No additional details provided.
Draper, UT 84020 9414
Qualifying balance up to $15000
Gunnison, UT 84634
Qualifying balance up to $20,000
Taylorsville, UT 84129 2525
No additional details provided.
Draper, UT 84020 9414
Qualifying balance up to $15000
Gunnison, UT 84634
Qualifying balance up to $50,000
Moab, UT 84532 2132
**
Ogden, UT 84401
Qualifications Required: Have at least 12 debit card purchases post and settle; Be enrolled and log into Online Banking at least one time; Be enrolled in eStatements; cash back on first $200 spent; Up to $6.00 cash back per month
Springville, UT 84663
No additional details provided.
Sandy, UT 84070
Qualifications Required: Receive electronic statements (Online Statements); Have 10 debit card point-of-sale transactions post and clear during the qualification cycle; Have at least one direct deposit or one auto-debit via ACH during the qualification cycle; Qualifying balance up to $300.00
Taylorsville, UT 84129 2525
No additional details provided.
Lehi, UT 84043
No additional details provided.
Salt Lake City, UT 84111
No additional details provided.
Salt Lake City, UT 84111
No additional details provided.
West Valley City, UT 84120
Qualifying balance up to $10,000.00
West Valley City, UT 84120
Qualifying balance up to $10,000.00
West Valley City, UT 84120
Qualifying balance up to $10,000.00
Salt Lake City, UT 84109
No additional details provided.
Heber City, UT 84032
No additional details provided.
Provo, UT 84604
No additional details provided.
Riverdale, UT 84405 3621
No additional details provided.
Ogden, UT 84401
Qualifications Required: Have at least 12 debit card purchases post and settle; Be enrolled and log into Online Banking at least one time; Be enrolled in eStatements; cash back on first $200 spent; Up to $6.00 cash back per month
Sandy, UT 84070
Qualifications Required: Receive electronic statements (Online Statements); Have 10 debit card point-of-sale transactions post and clear during the qualification cycle; Have at least one direct deposit or one auto-debit via ACH during the qualification cycle; Qualifying balance up to $300.00
West Valley City, UT 84120
Qualifying balance up to $10,000.00
Springville, UT 84663
No additional details provided.
Springville, UT 84663
No additional details provided.
West Valley City, UT 84120
No additional details provided.
West Valley City, UT 84120
No additional details provided.
Springville, UT 84663
No additional details provided.
Springville, UT 84663
No additional details provided.
Salt Lake City, UT 84106
No additional details provided.
Salt Lake City, UT 84116
No additional details provided.
Corinne, UT 84307
No additional details provided.
West Jordan, UT 84084 4312
$20,000 +
West Jordan, UT 84084 4312
$20,000 +
Salt Lake City, UT 84101
No additional details provided.
Ogden, UT 84403
No additional details provided.
Draper, UT 84020 9414
No additional details provided.
West Jordan, UT 84084 4312
$1,000 to $19,999
Salt Lake City, UT 84116
No additional details provided.
Salt Lake City, UT 84148 0001
Balance to Earn Monthly Dividends: $500+
Salt Lake City, UT 84116
No additional details provided.
Salt Lake City, UT 84101
No additional details provided.
SALT LAKE CITY, UT 84120
No additional details provided.
West Jordan, UT 84084 4312
under $20,000
Salt Lake City, UT 84148 0001
Balance to Earn Monthly Dividends: $500+
Ogden, UT 84403
No additional details provided.
Salt Lake City, UT 84101
No additional details provided.
Salt Lake City, UT 84116
No additional details provided.
West Valley City, UT 84120
No additional details provided.
Salt Lake City, UT 84116
No additional details provided.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Utah directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Utah. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in UT.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Utah earn interest?
Are banks in Utah FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Utah
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - State Bank of Southern Utah
High Interest Checking — 5.00% APY - HERCULES FIRST
Gold Tier Checking — 4.33% APY - Pacific Horizon Credit Union
High Dividend Checking — 3.00% APY - Wasatch Peaks Federal Credit Union
Z-CheckingTM Cash Back — 3.00% APY
Checking Account Rates by City in Utah
