Utah First Credit Union Routing Number: Full Banking Guide

What is the Utah First Credit Union routing number?

Utah First Credit Union uses routing number 324079186 for all member accounts. This nine-digit ABA routing number is required for ACH transfers, direct deposits, wire transfers, and automatic bill payments.

Utah First Credit Union is based in Salt Lake City, Utah, and has served the local community for over 60 years. Utah First provides membership to anyone who lives, works, worships, or attends school in the state of Utah, offering a full range of financial products and services.

How to find your Utah First routing number

Routing number 324079186 is printed on the bottom-left corner of your Utah First checks. You can also find it through the credit union's online banking platform or mobile app under account details.

All Utah First members use the same routing number regardless of branch or account type. The 324 prefix indicates routing through the Federal Reserve Bank of San Francisco, which services the Utah region.

Utah First wire transfers and ACH payments

Domestic wire transfers at Utah First use routing number 324079186 through the Fedwire system. Members can initiate outgoing wires at a branch or by contacting member services during business hours.

ACH transactions including payroll direct deposits, government benefit payments, and recurring bill payments all route through this number. Utah First follows standard Federal Reserve ACH processing schedules for settlement.

Utah First products and membership

Utah First offers free checking accounts, high-yield savings, certificates of deposit, auto loans, mortgages, home equity products, and personal loans. Members benefit from competitive rates and low fees across all account types.

With branches across the Wasatch Front including Salt Lake City, Provo, and Ogden areas, Utah First combines in-person community banking with a full digital platform for online and mobile access.

How Slash compares to Utah First

Utah First provides solid community credit union banking along Utah's Wasatch Front, while Slash offers a purpose-built digital business banking platform available nationwide. Slash includes up to 2% cashback, unlimited virtual cards with per-card spend limits, and real-time expense tracking.

For businesses that need capabilities beyond a local credit union, Slash delivers treasury yield on deposits, stablecoin payment options, multi-entity management, and automated integrations with accounting software — all without geographic membership restrictions.