Information and Alerts

The financial industry is experiencing a high increase in fraudulent activities and scamming attempts to access personal account information. DFCU will never contact you asking for your PIN, Password, or other account credentials. If you have any questions about your account, contact DFCU at 800-326-3328. To learn more about protecting yourself from fraud, click here

Business Overdraft

Add a line of credit to your company accounts

Why get an Overdraft Line of Credit?

We understand that running a business has a lot of ups and downs. That’s why we offer overdraft protection for businesses, providing you peace of mind. This line of credit covers overspending in a checking account or unexpected shortfalls in funds.

An overdraft line of credit saves you from bounced check fees or other merchant charges. This helps you be free to handle your own clients, knowing we have your financial side covered. So use DFCU’s business overdraft to protect your company today.

business partners at lunch together, one has a credit card and smartphone in his hands

How Overdraft Credit works:


Once approved, use your checking account normally. The line of credit will cover any overspending.


Next, we watch your checking account to make sure you have a positive balance.


If you do overdraft, we transfer the amount from the LOC to your checking.


Interest accrues on the advanced allowance until you pay it off.


Finally, you make a payment on the monthly balance.

Straightforward Options

DFCU offers a quick and easy approval process for our Overdraft Accounts. Fill out our simple application and leave the rest to us! We’ll have you ready to go in no time. If you have a business checking account with us, you may want to also consider courtesy pay. Once you’re approved, neither of these options costs you anything unless you use it.

Compare Overdraft

Loan Requirements

To receive an overdraft line of credit with DFCU, business owners must:

For questions, please contact Business Services. Call us at: 801-456-7060 or 800-326-3328 ext:7060. Available weekdays: 8am–7pm. Additionally, you may visit any Deseret First Branch.

business group discussing company finances

Grow your business faster with Deseret First

Give your business a firm foundation with Deseret First Credit Union!