About Desert Community Bank

Overdraft Protection

Helping our customers manage their finances is an important part of Desert Community Bank's commitment to serve as your financial bridge. As you may be aware, Federal regulations have changed the way banks can charge overdraft fees for everyday debit card purchases and ATM withdrawals. As a result of these changes, if you don’t have enough money in your account for an everyday, non-recurring debit card purchase or ATM withdrawal, your transaction will be declined, and you won’t be charged an overdraft fee. However, if an overdraft occurs due to other types of transactions, such as a recurring
debit card or check transaction, an overdraft fee will be assessed.

At Desert Community Bank we understand that an unexpected circumstance or a simple mistake can result in an account becoming overdrawn, so we provide an array of services to help you avoid overdraft fees and ensure that your important payments and purchases are processed.

Ways for you to stay on top of your finances

1. Overdraft Protection

Overdraft Protection gives you the flexibility to write checks, pay for purchases or make withdrawals even when you don't have enough money in your checking account at the exact time of the transaction. With Overdraft Protection, available funds are automatically transferred from your linked account, allowing the transaction to be completed and helping you to avoid costly overdraft fees.

Desert Community Bank Overdraft Protection Options

Link your checking account to another DCB savings or checking account
- Linking your primary personal checking account to your savings or other checking
  account for overdraft protection purposes allows you to use your own funds to help
  avoid overdraft situations. If your primary checking account is overdrawn, available
  funds from the linked savings or checking account will be transferred automatically
  to cover the difference. Although an overdraft transfer fee will be assessed, the
  charges are generally less than an overdraft or return item fee.

Link your checking account to an Overdraft Line of Credit with Desert Community Bank
- Please visit any Desert Community Bank Branch to set up overdraft protection for your deposit accounts, or to apply for an Overdraft Protection Line. For branch locations,
  please call our Customer Service Center at (760) 243-2140 or visit www.dcbk.org for branch locations.

How do I request Overdraft Protection?

www.dcbk.org

2. Online Banking Services

Desert Community Bank’s Consumer Online Banking Service offers a free, fast and convenient tool to help you manage your account balances and avoid overdraft situations.

Check your account balance from your personal computer at any time.
Conduct immediate funds transfers between accounts when the balance in your checking
account is running low.
Set up E-mail Alerts and Notification that inform you via email of certain events such as
when your account balance falls below the limit you define.

How do I sign up for Online Banking?

3. 24-hour Automated Telephone Banking Service

Using Desert Community Bank’s 24-hour Automated Telephone Banking service, you may check your account balance or conduct immediate funds transfers between your linked accounts from any phone
by calling our toll-free number at (866) 440-4864.

How can I activate 24-hour Automated Telephone Banking service?

4. Account Management Skills

Below are a few simple tips that anyone can use to help avoid overdraft situations:

Record your transactions either in a register or by using an online financial tracking tool to
help ensure that you always know your “actual” account balance based on the transactions
you have initiated.
Hold on to your debit card/ATM receipts and ensure that they are promptly recorded in your transaction register. This will help to avoid the simple balancing mistake of forgetting about a transaction, which can lead to an overdrawn account.
Be aware that check and other transaction clearing methods have been automated so
transactions are in fact debited from your account much more quickly than they were in the past.

How can I get more information about the services offered by Desert Community Bank?