Online and Mobile Banking

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.