Debit

Why is there a difference between my current balance and my available balance?

Any time you use your debit card for a Visa® credit transaction (without entering your PIN), the corresponding funds are placed on hold for that merchant for 24 hours or until the transaction clears your account, whichever comes first. Other holds (e.g., deposits, electronic transactions) may also cause a variance between actual and available balance.

Why was I charged two fees for using my debit card at non-Desert Financial ATMs?

You may be assessed a $2 foreign transaction fee, to offset the fees Desert Financial is charged by our ATM network provider, after exceeding two debit transactions at another institution's ATM. You may also be assessed a surcharge by the financial institution that owns the machine. This is the fee noted on the screen, which you must accept in order to complete the transaction.

Are there any non-Desert Financial ATM locations where I can use my card and not get surcharged?

Yes. Desert Financial belongs to the CO-OP Network®. This allows our members and customers of other select financial institutions to use any ATM displaying the CO-OP logo without a surcharge.