Online and Mobile Banking
You lead a busy life and aren’t slowing down anytime soon. That’s why we developed online and mobile banking solutions as easy to use as they are secure. Complete control over your finances is at your fingertips—and on your schedule.
Online Banking
Desert Community Bank puts you in the driver’s seat with around-the-clock online banking. In one convenient location, you can view:
- Deposit accounts, balances, and recent and pending transactions
- Pay a person fast with Zelle®1
- Consumer loan balances (available for the primary borrower only)
- Reminders and recurring payment options; never miss a payment again
- Budget, expense, and more information at any of over 17,000 financial institutions with MyWallet
Get started today
Note: Internet Explorer is no longer a supported browser. Please switch to a current version of the most popular web browsers Safari, Chrome, or Edge for the best online banking experience.
Mobile Banking
If you have a mobile phone, you have your own personal Desert Community Bank branch.2 Need to pay a bill? Deposit a check?3 Transfer funds? Do it right on your phone. You also have access to:
- Real-time account balances
- Pay a person fast with Zelle1
- Check images
- Text alert
- ATM, branch, and loan center locations
Have an iPhone or iPad with TouchID? Skip the password and safely log in with your fingerprint.4
No additional registration is necessary
Bill Pay
Writing checks, buying stamps, running to the post office—there’s a faster way. And it’s free.5
Save time and money with our bill pay service. Here’s how it works:
1. An email notifies you when bills arrive
2. You can review complete billing information with our e-bill technology
3. Pay your bill or set up recurring payments for car loans, your mortgage, and similar expenses
In addition to the hassle of writing and mailing checks, our bill pay service also helps you ditch late fees and penalties. Make next-business-day electronic payments before the daily cut-off or send overnight checks with our Expedited Payments feature. Your accurate payment will arrive on time, or we will pay the late fee (up to $50).
Online and Mobile Banking FAQs
Try these tips:
- Passwords are case sensitive, so make sure you are entering your password exactly as it is set up
- If your password begins with a lowercase letter, you may need to use your phone's "shift" key to change the default from uppercase to lowercase
- Some phones require an additional press on the 'shift' key to enter numbers instead of letters
Your Available Balance is your Balance minus any pending debit card transactions and/or any outstanding holds (for example, holds on deposited checks, fraud/legal holds, or temporary debit authorization holds). Any checks you may have written or ACH transactions that have not posted to your account, Bounce Protection funds, or any funds from accounts(s) you have linked for overdraft (for example, deposit overdraft protection and/or overdraft line of credit) are not reflected in your Balance or Available Balance.
For Consumer Accounts: $5,000 in any one (1) Business Day, $10,000 in any rolling seven (7) day period, and $20,000 in any rolling thirty (30) day period.
For Business Accounts: $5,000 in any one (1) Business Day, $20,000 in any rolling seven (7) day period, and $30,000 in any rolling thirty (30) day period.
The maximum aggregate deposit amount for “new customers” shall not exceed $1,000 in any rolling thirty (30) days. You are a “new customer” for sixty (60) days after you open your first Account with us. Some individuals may qualify for higher limits. SimplyOne, Next Step, and Next Step 2 accounts are not eligible for Mobile Check Deposit.
Yes—up to $200 is available immediately, and remaining funds may be available within two business days. Longer holds may apply in some cases (please refer to your disclosure agreement.) If the check deposited is greater than $200, the remaining, pending funds will be listed on your transaction history screen in the “Amount” column, as well as the date the funds will release.
We do, however, review each item and may return the check if there are issues with the deposit. Examples of this may include checks returned for insufficient funds in the check writer’s account, post-dated or stale-dated checks, or checks ineligible for the service. The available balance will include up to $200 in a single business day for deposits through the mobile channel per customer per account.
Pending transactions are transactions that have not yet been posted to your account. When you use a debit card to pay a merchant you are authorizing the transaction amount. These transactions will not be posted to your account until the bank receives and processes them from the merchant.
For many merchant transactions, the merchant will send the exact amount of the transaction. For example, if you purchase groceries for $21.02, the grocery store will ask you to authorize a $21.02 charge or debit to your account. This amount would then display as a pending transaction in the amount of $21.02 on your account until it is posted.
In some cases, the merchant doesn't know the transaction amount until after the purchase is complete, like a purchase at a gas pump. Before you begin filling your tank, you're asked to swipe your debit card to approve your purchase. A $1 charge may be placed on your account temporarily until it's replaced with the actual purchase amount. As an example, if your gasoline purchase is $45.09, the merchant will be paid $45.09 and that amount will be posted to your account. Until the merchant submits the actual amount of your purchase, you may see a $1 charge in the pending transaction section of your account activity page or you may not see the purchase until the merchant submits the actual amount of your purchase. You should always immediately deduct the actual purchase amount from your balance, even though it could take a few days for the money to be taken out of your account.
No, it's free for Desert Community Bank customers.
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1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle.
2Not all devices may be supported
3Not all devices may be supported. Customer eligibility required. Must be an active personal online banking user. Must be customer for a minimum of two business days. Accounts must be in good standing. SimplyOne account holders are not eligible.
4Touch ID is available to users on iPhone 5s or later, iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 or later running iOS8 or later.
5Fees apply for Expedited Payments.
iPhone and App Store are registered trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc.