Using Your Account

There is more to your Desert Schools accounts than the card you carry in your wallet or the checks you write; although, both are reliable payment options. For instance, you receive Visa®'s Zero Liability Protection when you choose to sign for debit card purchases, instead of using your PIN. You also have 24-hour online access to transfer money, pay bills and review your account through Online Banking.

  • Direct Deposit 
    Send your paycheck automatically to your checking or savings account, for streamlined funds.
  • Debit Card Use 
    Access funds from your checking or Membership Savings account, make purchases or shop online.
  • View or Reorder Checks 
    Obtain and monitor checks on applicable checking and money market accounts in Online Banking.
  • Team Debit Cards 
    Display Cardinals or Coyotes pride on your debit card.
  •  Courtesy Overdraft Protection 
    Pay checks and electronic items that would otherwise be returned for insufficient funds.
  • Wires and Transfers 
    Arrange automatic payments, get details on incoming transfers or wire money to another country.
  • ATM Banking 
    Make cash and check deposits easily, with no envelope.


Personal checking overdraft protection may also be available from an approved savings account or line of credit.

Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S.Government Agency. ©2014 Desert Schools Federal Credit Union