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  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238

Checking Accounts As Unique As Your Business

Your suits are custom tailored, so why shouldn’t your checking account be? We designed our business checking accounts to accommodate companies of every size and style. With low fees, free bill pay and plans customized to handle a variety of transaction volumes, Desert Financial has the business checking account that’s an ideal fit for you.

Explore Your Options

(Click on a service to see its benefits)

Business Checking icon
Business Checking Plus icon
Business Analysis Checking icon

Conduct the transactions you need while keeping costs low for your new or growing business.

It’s Easy to Get Business Checking

When you run a small business, you don’t have time for complicated banking. Desert Financial’s Business Checking account puts the transactions you need within easy reach while keeping costs low for your new or growing business.

Getting checking for your business is a breeze! Meet one of the following requirements each month, and we will waive our already low $8 monthly fee:

Business Checking Icon

Keep a minimum daily balance of $1,500.

Business loans

Have an Express Business Credit loan with us.

Treasury Management icon

Process your company’s credit card transactions with our Merchant Services.

Desert Financial Business Checking has all of the features that your small business needs:

  • Desert Financial Business Visa® debit card with no annual fee
  • No fee for the first 150 deposited and cleared check transactions per statement cycle. After 150, the fee is $0.45 per deposited or cleared check.1
  • No cash processing fee for the first $5,000 in combined cash or coin deposits or withdrawals per statement cycle. After $5,000, it's $.30 per excess $100.1
  • Free online and phone banking
  • Free eStatements and alerts
  • Free unlimited online bill pay
  • Unlimited transactions at Desert Financial ATMs
  • Two free ATM withdrawals per month at Plus®, CO-OP, and Visa® ATMs2

1For additional information regarding fees, please email Treasury Management at treasurymanagement@desertfinancial.com.

2Account holders receive two free ATM withdrawals per statement cycle at PLUS®, CO-OP, and Visa® ATMs; $2 for each additional transaction. Unlimited transactions allowed at Desert Financial ATMs.

Ready to open a business checking account with us?

Complete and submit the form below – we’ll get back to you.

Online Services

You can add these online features to your Business Checking account:

Tiered Authority

Allow customized account access for multiple users and restrict their access to sensitive information.
Call 602-335-2491 to enroll.

Business ACH

An economical way to initiate debits and credits for consumer and commercial payments.

Online Wire Transfers

Quickly, reliably and securely initiate domestic wire transfers from the comfort of your office.

Positive Pay

Proactively protect your account with ACH filtering and check verification.

Business Debit Cardmember Benefits

Using your business debit card for everyday and large purchases has many advantages – and we offer four cardmember benefits for business debit cards.

Roadside Dispatch

Roadside Dispatch®

Drive worry-free with this pay-per-use roadside assistance program wherever your travels take you. Certain terms, conditions and exclusions apply. Learn More

Travel Emergency

Travel and Emergency Assistance Services

Get the help you need in case of an emergency while you are traveling away from home. The Benefit Administrator can connect you with the appropriate local emergency and assistance resources available 24 hours a day, 365 days a year. Certain terms, conditions and exclusions apply. Learn More

Purchase Security

Purchase Security

Accidents, theft and damages happen, but with your business debit card, your new items may be covered up to the total purchase price of the item. Certain terms, conditions and exclusions apply. Learn More

Auto Rental Collision Damage

Auto Rental Collision Damage

Skip the extra rental coverage. You can be covered for damages caused by theft or collision up to the actual cash value of most rented cars. Certain terms, conditions and exclusions apply. Learn More