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  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238


Money management solutions from your trusted local financial partner

At Desert Financial, we’ve helped over 10,000 Arizona business leaders create a plan to grow their business and bank with ease — that’s how you know you’re in good company when you partner with us! Whether you run an independently operated small business or an industry powerhouse, our financial solutions can help you easily manage your finances and build a solid financial foundation for your company’s future.

$200 For You. $200 for Them!

Earn $200 cash for each qualified employee who opens an account with Desert Financial and they receive $200 too!

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Checking Accounts

Manage your day-to-day business transactions with ease.

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Business Loans

Get the funds you need to improve or grow your business.

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Credit Cards

Easily track your expenses and manage cash flow.

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Treasury Management

Manage payables and receivables, get sweep accounts and design liquidity strategies.

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Insurance & Investments

Obtain the right coverage and invest with an eye toward growth and security.

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Online Services

Tiered authority, Business ACH, wire transfers and payroll administration.

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Why is choosing the right business banking partner so important?

We sat down with Josh and Nick to hear what it takes to run a business with heart. You may recognize a few of their successful local eateries: Fellow Osteria and Pizzeria, Across the Pond, Clever Koi, and Clever Ramen.

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Get streamlined funding for your company's next big purchase.

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A solid foundation to build your business banking relationship on.

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Apply for a Visa® card and give your business the credit it deserves.

1Program Requirements: A referral is considered valid if it meets the Account Opening Criteria and the Cash Bonus Criteria below. At the time of account opening, the employee must enter their email address at desertfinancial.com/mymoney to open an account online or must disclose the intended use of this program when opening an account in person or over the phone with a representative.
Account Opening Criteria: Primary account holder must be employed at the referring business and meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. For complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.
Cash Bonus Criteria: To receive the cash bonus, the employee’s new checking account must meet the following criteria within the first 90 days: (1) Have a minimum of 30 posted transactions; (2) Establish direct deposit; and (3) Must be open and cannot be delinquent (more than 30 days) at time of bonus payment. Bonus will be deposited into the qualifying employee’s checking account and the referring businesses account within 10 business days in the month following the end of the first 90-day period if qualifications are met. Bonus amounts are subject to all applicable taxes and the responsibility of the recipient. Bonus cannot be combined with any other account opening offer. Terms and conditions subject to change without notice.