Personal Banking

Deposit Accounts

Remember when bank tellers and officers knew your name? We do. As a community bank, we know that people are the backbone of our business. Unlike larger banks, our focus is on our customers, not just on the amounts they deposit and borrow. You work hard for your money and Desert Hills Bank is committed to treating it and you with the respect you deserve. 

Our highly experienced people give us the capability to deliver the personalized service that is too often lacking at other financial institutions. At Desert Hills Bank, you'll find courteous tellers, friendly faces and outstanding services.

Free Checking:
Our Free Checking Account is a non-interest account. It only takes $100 to open the account and no minimum balance required. Your canceled checks will be held for safekeeping.

Personal Checking:
This is an interest earning account designed for customers who write a moderate number of checks per month. It only takes $100 to open the account. There is a $10 service fee which can be avoided by maintaining an average daily balance of $5000. There is a $.25 per transaction fee for more than 30 transactions per month. Your checks will be held at the bank unless you request that they be returned to you for a $5 monthly fee. A $10,000 balance in another account will waive the monthly service fee, except the check return handling fee.

Saving...Business or Personal:
It only takes $100 to open this account and you earn interest on your balance. There is a $5 monthly service fee if the balance falls below $250. You may make two withdrawals per month with no charge. Pay a per-withdrawal fee of $5 for each withdrawal over 2 in a given month.

Money Market...Business or Personal:
It only takes $100 to open this account and earn interest on the account balance. The monthly service fee of $10 is waived for average daily balances over $1000. You can make 6 withdrawals, no more than 3 of which may be by check, draft, debit card, or similar order to third parties. There is no charge for the first 6 debit transactions per month and a $15.00 per debit fee for any in excess of 6 per month. Interest rate is tiered, with higher balances earning higher rates.

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