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Your debit card benefits
Contact us at (602) 433-7000 for more information and for details on how to utilize a cardmember benefit.
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Fraud protection
Your Desert Financial debit card has built-in security features to help protect you against fraudulent activity, giving you peace of mind when using your debit card. These features include:
Zero Liability Protection
As a member of Desert Financial, you will not be responsible for fraudulent charges made with your debit card.1
Fraud Alerts
When we spot suspicious debit card activity, we may contact you via text message asking you to confirm whether or not the transaction we flagged as suspicious was conducted by you with a one-time response of YES or NO:
YES – You agree with the transaction in question.
NO – You do not agree and have encountered fraudulent activity. We will take action.
To opt out, reply with STOP.
IMPORTANT: Desert Financial will never ask you for your personal or account information. Notifying you of possible fraudulent activity is just another way that Desert Financial works to help protect you.
Debit cardmember benefits
Using your debit card for everyday and large purchases has many advantages – and we offer four cardmember benefits for consumer debit cards.
Purchase Security
If an eligible retail purchase is stolen or damaged within the first 90 days, purchase protection can replace, repair or reimburse cardholders for up to $500 maximum.
Purchase Security Terms and Conditions
Extended Warranty Protection
Existing warranty coverage can be doubled for up to one additional year on eligible warranties of three years or less. Cardholders may claim up to $10,000 maximum.
Extended Warranty Protection Terms and Conditions
Personal ID Theft
ID theft protection can provide reimbursement of up to $5,000 maximum for lost wages, fees and other costs incurred if a cardholder’s identity is stolen.
Personal ID Theft Terms and Conditions
Roadside Dispatch®
Drive worry-free with this pay-per-use roadside assistance program wherever your travels take you.
Roadside Dispatch Terms and Conditions
Contact us at (602) 433-7000 for more information and for details on how to utilize a cardmember benefit. To learn about our Visa business debit cardmember benefits, please visit the business debit webpage.
1
Zero Liability Policy covers fraudulent transactions made by others using your Desert Financial debit card. For transactions to be covered under this policy, please do not share personal or account information with anyone. In addition, please report any fraudulent transaction promptly. For complete terms and conditions, refer to Statements of Terms, Conditions and Disclosures.
6
Primary account holder must meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Checking is free; however, fees for overdraft or additional services may apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
Apple Wallet is a registered trademark of Apple Inc.
Google Wallet is a trademark of Google LLC.
Samsung Wallet is a registered trademark of Samsung Electronics Co., Ltd.