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


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 FREE checking for your business is a breeze! Simply meet one of the following requirements each month, and we will waive our already low $8 monthly fee:1

Business Checking Icon

Keep a minimum daily balance of $1,500.

Business loans

Have a current Express Business Credit loan with Desert Financial.

Treasury Management icon

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

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

  • Desert Financial Business Visa® debit card with no annual fee
  • Up to 150 deposited items and cleared checks per month free2
  • Up to $5,000 in coin and currency transactions per month free3
  • 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® ATMs4

Ready to open a Business Checking account?

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

Online Services

For a nominal monthly fee, you can add these online features to your Business Checking account:

Tiered Authority

Tiered Authority

Allow customized account access for multiple users and restrict their access to sensitive information.

Business ACH

Business ACH

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

Online Wire Transfers

Online Wire Transfers

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


Membership eligibility is required, as well as a minimum opening deposit of $25. This is a credit-qualifying account.
1$8 monthly service fee applies if required balance is not maintained.
2Includes deposited items and cleared checks. $0.45 per each additional item. Electronic debits and credits do not apply.
3$0.30 for each additional $100 deposited or purchased.
4$2 for each additional withdrawal.

For additional information regarding fees, please refer to the Fee Schedule.