High Desert Bank is a full-service provider of personal and business banking services for commercial and residential customers. It offers a variety of deposit accounts, such as savings, checking and individual retirement. It specializes in providing mortgage lending, cash management and investment services. High Desert Bank offers a variety of fixed- and adjustable-rate loans. It provides safe-deposit boxes, ATM debit and credit cards and traveler s checks. The bank offers home equity and personal lines of credit. High Desert Bank also provides Internet banking services that include fund transfer, balance checking and bill payment options. In addition, it is a member of the Federal Deposit Insurance Corporation.