Personal Solutions
Regular Checking
A non-interest bearing account offering unlimited check writing. $1000 minimum to open and the service charge of $10.00 is waived with a minimum daily balance of $1000.
Interest Checking
An interest bearing account allowing unlimited check writing. $1,000 minimum deposit to open and the monthly service charge of $15.00 is waived with a $1,000. Minimum daily balance.
Money Market
An interest bearing account generally paying higher than average rates on your liquid funds. This account allows up to 3 checks per month and unlimited withdrawals that are made within the bank. A minimum opening deposit of $2,500 is required and the monthly service charge of $10.00 will be waived with $2,500 minimum daily balance.
Savings Accounts
Interest bearing accounts that allow transactions within the bank only. Pays interest quarterly. Ideal for first time savers and minors trust accounts. Opening deposit requirement is only $300. The quarterly fee of $10.00 is waived with a minimum daily balance of $1,000.00.
Certificates of Deposit
A safe way to invest excess funds. Certificates can be established for periods of 7 days to 5 years. The minimum opening deposit is $1,000.00. Early withdrawal penalties apply and are based upon the term of the certificate. Interest can be deposited into any Desert Community Bank account or compounded monthly. The election of the deposit option will reduce your APY on your certificate.
Signature Package
This package provides our depositors who have combined balances of $50,000 or more, to avoid service charges in all accounts with us. Your first order of standard style checks is free. There is no fee for notary services, cashiers checks or travelers cheques. Discounts are available on loan products.
Consumer loans, subject to application and credit approval
Home Equity Loans and Lines of Credit for owner occupied residential properties
Installment loans for new and used automobiles
Overdraft Protection lines of credit
Secured and Unsecured Credit lines for personal purpose
Forms
- Personal Financial Statement
- Consumer Credit Application
- Affidavit of Forgery, Alteration, or Missing Signature
- Change of Address
- Wire Transfer Agreement
- Wire Transfer
- New Account Worksheet
- Release
- Check Printing Spec Sheet
- Stop Payment Request Form
- Line of Credit Drawdown Request
- Transfer Between Accounts Request
- Business Credit Application
- Business Check Card Application
