Desert Schools was great when I first joined about 10 years ago. The Fusion account gave me 4% on my CHECKING account! As long as I kept my balance above the minimum, had my paycheck direct deposited and made at least 30 NON-PIN purchases every month, they would give me the 4% interest, free ATM withdrawals from anybody's ATM and they didn't have a monthly charge.
About 2 years ago, they stopped reimbursing me when I used non Desert Schools ATMs. They also quit paying me interest on my checking account. ZERO interest. Now I hear they are going to change their name. Well, isn't that special! What a great way to spend the fees that you rip people off with. I am closing my account and moving to Mountain America Credit Union.