Experience business banking with a personal touch
Join over 24,000 Arizona businesses that trust us for their everyday banking needs.
Schedule an appointmentCompare your business checking account options
There’s a fit for every need — and we’re here to help you pick the right one.
Business Checking For new or small businesses | Business Checking Plus For growing or mid-sized businesses | |
|---|---|---|
| Benefit to business | Helps keep costs low when it’s most needed | Retain more cash flow as business increases |
| Monthly service fee | $8; may be waived* | $12; may be waived** |
| Minimum daily balance | $1,500 | $5,000 |
| Visa® Business Debit Card | ✔ | ✔ |
| Eligible for Merchant Services | Custom prices. No contracts, cancel anytime | Custom prices. No contracts, cancel anytime |
| Eligible for MyMoney@Work | ✔ | ✔ |
*$8 monthly fee can be waived by meeting one of the following requirements: keep a minimum daily balance of $1,500, have an Express Business Term Loan or Express Business Secured/Unsecured Line of Credit, process your company’s credit card transactions with Merchant Services, and/or join the MyMoney@Work Program.
**$12 monthly fee can be waived by meeting one of the following requirements: keep a minimum daily balance of $5,000, have an Express Business Term Loan or Express Business Secured/Unsecured Line of Credit, process your company’s credit card transactions with Merchant Services, and/or join the MyMoney@Work Program
Schedule an appointment
See why it’s smart to separate personal and business expenses
While it may seem convenient at first, combining personal and business finances can lead to confusion, inefficiency and even legal risks.1
Mixing business & personal expenses in one account
- Confusion at tax time, sorting through transactions
- Potential liability from mixing personal and business transactions
- Unable to allow employee access without providing visibility to personal transactions
- Difficulty keeping accurate records
Keeping your finances straight with a personal & Business Checking account
- Be prepared to file taxes with organized recordkeeping of your business spending (as recommended by the IRS)
- Protect personal assets and preserve limited liability protection
- Authorize employees to handle day-to-day business transactions
- Appear more credible and established to your clients and vendors
Business banking benefits at a glance
Take advantage of online tools and resources designed to help you grow your small business.
Easy account setup
Open an account in branch or over the phone — no appointment necessary
Low (or no) monthly fees
Fees start at $8 and can be waived when you meet the requirements
Digital banking tools
Enjoy online banking, mobile app, unlimited bill pay, eStatements and Positive Pay
Plus benefits of your business Visa® debit card:
- Roadside Dispatch — Drive worry-free wherever you go with this pay-per-use roadside assistance program.
Learn more - Travel and Emergency Assistance — In case of an emergency while traveling, get the help you need 24/7.
Learn more - Purchase Security — If theft or accidents happen, your items may be covered up to their total purchase price.
Learn more - Auto Rental Collision Damage — Your rental car could be covered up to its actual cash value for collision or theft damages.
Learn more - Daily Spend Limits — Keep your budget on track by lowering the daily debit card spending limits for your business.
Earn a cash bonus for you AND your employees with MyMoney@Work
Join the program that’s a win-win for you and your employees:
For you
- $200 cash bonus for each employee who joins Desert Financial
- Free Business Checking and Business Checking Plus — monthly service fees are waived ($96-$144 annual value)
- Free Check Scanner — easily and efficiently deposit checks remotely
- $250 merchant processing credit — award-winning payment solutions for your business
For your employees
- $200 cash bonus for joining Desert Financial
- All member benefits, including access to online and mobile banking
- Free Checking — with no minimum balance, no monthly fees and no hassles
- Free rewards program — including the potential for an annual Member Giveback Bonus
Click here to learn more about the MM@W program.
