Welcome

Thank you for visiting Desert Commercial Bank, the community-owned and focused full-service bank serving the Coachella and Imperial valleys. Whether it's our multi-feature checking and savings programs, the wide array of loan programs, or the simple convenience of online banking, we have the products and services to help you grow. And then there's our staff: warm, friendly people who believe in the power of a smile.

Banking is more than numbers. It’s about relationships.

Transaction Account
Guarantee Program

Desert Commercial Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, which has been extended through December 31, 2010 all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
Mobile Banking
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Personal Accounts

Easy Checking Account

Minimum opening balance of $100.

Account features:

  • Unlimited check writing
  • No minimum balance
  • Image statements
  • Free online banking
     

*Minimum monthly service charge of $8 (waived if a monthly average balance of $100 is maintained in the account.)

 

Senior Interest Checking (Age 55+)

Minimum opening balance of $100.

Account features:

  • Earn interest
  • Unlimited check writing
  • Image statements
  • Free online banking

 

*Minimum monthly service charge of $10 (waived if a monthly average balance of $100 is maintained in the account or with enrollment to direct deposit.)

Other specifications:

  • Split interest rate tiers
  • Interest is accrued daily and credited monthly
  • No minimum balance to earn interest
     

Preferred Interest Checking

Minimum opening balance of $500.

Account features:

  • Earn interest
  • Unlimited check writing
  • Image statements
  • Free online banking
     

*Minimum monthly service charge of $10 (waived if a monthly average balance of $1,500 is maintained in the account.)

Other specifications:

  • Split interest rate tiers
  • Interest is accrued daily and credited monthly
  • No minimum balance to earn interest
  • Checks held in safekeeping
     

 

Market Rate Account

Minimum opening balance of $5,000.

Account features:

  • Earn higher interest
  • No charge on first order of checks
  • Image statement
  • Free online banking
     

*Minimum monthly service charge of $15 (waived if a monthly average balance of $5,000 is maintained in the account.) $10 per item charge for each transaction in excess of regulatory limits.

Other specifications:

  • Split interest rate tiers
  • Interest is accrued daily and credited monthly
  • Transactions subject to regulatory limits
  • Unlimited in-bank withdrawals and deposits