Checking Accounts

Banking convenience is just an account away.

Need Help?

Questions about our checking or money market accounts? Please contact us at our convenient business hours: Monday through Friday, 6:00 a.m. to 7:00 p.m. PT, and Saturday 9:00 a.m. to 5:00 p.m. PT.

(760) 243-2140
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Community Checking Account

A low-cost option to help bridge a customer into the financial mainstream.

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Checking Accounts

Our checking accounts include:

  • 24-Hour automated telephone banking - (760) 243-2140
  • Visa® Check Card
  • Overdraft protection
  • Direct deposit
Reorder Your Checks Online
  • Chip Cards NEW
  • Online banking*
  • Online bill payment*
  • Mobile banking*
  • Safe deposit box (subject to availability)
WHICH CHECKING ACCOUNT IS RIGHT FOR YOU?
DCB Value Checking DCB Premier Checking Diamond Club Checking (55+) Student Plus Checking DCB Premier Maximizer Money Market
DCB Value Checking DCB Premier Checking Diamond Club Checking (55+) Student Plus Checking DCB Premier Maximizer Money Market
A good choice for those who want:
  • A low opening balance
  • To earn interest
  • A low opening balance
  • A low opening balance
  • No monthly maintenance fee or minimum balance
  • No charge on DCB exclusive checks
  • Fee waived for traveler’s checks, official checks or money orders
  • 50% discount of safe deposit boxes
  • Preferred CD rates
  • A low opening balance
  • No monthly maintenance fee or minimum balance
  • No charge on DCB exclusive checks
  • A competitive rate of interest for a checking account
Minimum opening balance:
$100 $100 $100 $100 $10,000
Check writing:
Unlimited Unlimited Unlimited Unlimited Limited3
Interest features:
Non-interest bearing Variable interest rate / compounded daily / credited monthly Non-interest bearing Non-interest bearing Variable interest rate/ compounded daily / credited monthly
ATM access:
No charge at Desert Community Bank and East West Bank ATMs, Allpoint ATMs 1 and MoneyPass ATMs1. No Desert Community Bank withdrawal fee for the first two non-proprietary ATM withdrawals per statement cycle (3rd party ATM usage fees may be charged to your account at the request of the provider operating the non-proprietary ATM). No charge at Desert Community Bank and East West Bank ATMs, Allpoint ATMs1 and MoneyPass ATMs1. No Desert Community Bank withdrawal fee for the first two non-proprietary ATM withdrawals per statement cycle (3rd party ATM usage fees may be charged to your account at the request of the provider operating the non-proprietary ATM). No charge at Desert Community Bank and East West Bank ATMs, Allpoint ATMs1 and MoneyPass ATMs1. No Desert Community Bank withdrawal fee for the first two non-proprietary ATM withdrawals per statement cycle (3rd party ATM usage fees may be charged to your account at the request of the provider operating the non-proprietary ATM). Use any ATM machine, anywhere in the world, and stop worrying about paying for ATM surcharges2. Access must be linked through a DCB Premier Checking, or Value Checking account. No Desert Community Bank withdrawal fee for the first two non-proprietary ATM withdrawals per statement cycle (3rd party ATM usage fees may be charged to your account at the request of the provider operating the non-proprietary ATM). Surcharge free access to Allpoint ATMs1 and MoneyPass ATMs1 if a Visa Card is issued.3
Monthly account maintenance fees:
$5 monthly maintenance fee. No monthly fee with a monthly average balance of $1,500 or a combined average monthly balance of $5,000 or more in a combination of qualifying Desert Community Bank consumer deposit accounts. $10 monthly maintenance fee. No monthly maintenance fee with a monthly average balance of $2,500 or a combined average monthly balance of $10,000 or more in a combination of qualifying Desert Community Bank consumer deposit accounts. No monthly maintenance fee. No minimum monthly balance. No monthly maintenance fee. No minimum monthly balance. $12 monthly maintenance fee. No monthly maintenance fee with a monthly average balance of $2,500 or a combined average monthly balance of $10,000 or more in a combination of qualifying Desert Community Bank consumer deposit accounts.
Associated accounts and services:
DCB Premier Savings Diamond Club Savings (55+) Student Plus Savings
Other requirements:
You must be age 55 or older to open this account You must be age 18 or older and enrolled either part-time or full-time in an accredited university or vocational school

Deposit products are FDIC Insured.

* To access mobile banking, you must first enroll for online banking service. View the Online Banking Agreement and Mobile Remote Deposit Services Agreement for more information about both online and mobile banking. While Desert Community Bank charges no fees for our Online and Mobile Banking services, internet, text and wireless carrier data access fees may apply depending on your plan. Check with your service provider for details. Internet access is needed to use Online Banking Services, Mobile Apps and Mobile Web.

1 If the surcharge screen appears during your Allpoint or MoneyPass ATM transactions, press "Yes" to accept the surcharge and proceed with your withdrawal. You will not be assessed a surcharge fee. In the event that your transactions incurred a surcharge fee, it will be refunded on your monthly Desert Community Bank statement at the end of your banking cycle.

2Non-proprietary ATM usage fees may be charged to your account at the request of the 3rd party operating the non-proprietary ATM. If you use a "Desert Community Bank Student Plus Visa Debit Card" to initiate an ATM transaction from your "Student Plus Value Checking" account, Desert Community Bank will refund your non-proprietary ATM usage fees each statement cycle. This waiver does not apply to any Desert Community Bank ATM NSF fees that are the result of your account being overdrawn by an ATM transaction. Please refer to the Annual Percentage Yield and Account Terms disclosure for details.

3Regulation D limits certain types of withdrawal and transfer transactions you can make out of your money market accounts to a maximum combined total of six (6) per month or monthly statement period. Please refer to your Deposit Agreement and disclosures for details.