Discover the Top Utah Checking Accounts of 2023


Your checking account is the backbone of your financial life, offering easy access to your funds for everyday transactions. Choosing the right account may seem like a daunting task, but it's critical to managing your finances effectively. Keep reading to discover the best checking accounts available in Utah, the advantages of local and online banks, and everything else you need to know to find the perfect account for you.

Best Checking Accounts in Utah

When it comes to selecting a checking account in Utah, there are plenty of options to choose from. Among the top choices are Zions Bank's Anytime Checking, KeyBank's Key Smart Checking, and Altabank's MyRateChecking. Each account offers varying features and advantages, so be sure to review the details to select the best account for your specific needs.

Zions Bank's Anytime Checking account is a basic, easy-to-use option that offers fee-free checking with no minimum balance requirements once the initial deposit of $50 is made. Zions Bank does charge a $3 monthly fee, but this fee can easily be waived by signing up for electronic statements.

KeyBank's Key Smart Checking account comes with no monthly fees or minimum balance requirements and provides access to over 40,000 fee-free ATMs, making it a convenient choice for Utah residents. KeyBank also offers online bill payments and the option to issue paper checks.

Altabank's MyRateChecking account is a fee-free checking account, but what sets it apart from the others on our list is the interest rate. This account offers an impressive 1.00% APY on balances up to $25,000. While there is an initial deposit requirement of $100, MyRateChecking does not have any minimum balance or monthly fee requirements.

Advantages of Local Utah Banks for Your Checking Account

Local banks offer many advantages over national banks, including personalized service and customized offerings tailored to the specific needs of the community. Smaller banks are better able to serve customers in the local area, while national banks offer a one-size-fits-all approach. Individuals in Utah interested in opening a checking account might want to consider going with a local bank. Residents in Utah have a wide list of local banks to choose from, such as Cache Valley Bank, Central Bank, or Utah First Credit Union, to name a few.

Advantages and Disadvantages of Local Banks

While local banks offer a variety of benefits, there are also some drawbacks to consider. Local banks may have limited branch and ATM locations, making it difficult to access funds when traveling outside of the area. National banks' larger networks provide more widespread access to accounts and ATMs, but typically come with higher fees and less personalized service.

Online Checking Accounts Available Nationally

Another popular option for banking is online checking accounts. Online banks have become more prevalent in recent years and are a great fit for people who prioritize saving money on fees while taking advantage of convenient digital services. Online banks tend to offer great features at lower prices than traditional banks. For example, many online banks don't carry monthly fees or require minimum balances, and some even pay interest on checking account balances. Popular online banks include Ally, Capital One 360, and Chime.

Factors to Consider When Looking for a Checking Account

When shopping for a checking account, there are several factors you should consider, including fees, ATM/branch access, interest rates, and digital banking. Be sure to evaluate the monthly fees or minimum balance requirements of each account, as these can quickly add up and impact your balance. Access to ATMs and branches is also important, especially if you rely on cash for regular expenses. Interest rates can vary greatly between accounts, so it's worth evaluating any accounts that offer an interest rate for your checking balance. Finally, investigate digital banking options, including online banking and mobile apps, to ensure you can manage your account efficiently and make mobile deposits.


Choosing the right checking account is crucial for effective financial management, and there are plenty of options to fit your needs and preferences in Utah. Consider the advantages and disadvantages of local and national banks, online banks, and the importance of evaluating fees, access, interest rates, and digital banking options when determining which account to choose. With a little research, you'll find the perfect account to fit your financial goals and lifestyle.

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