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Happy lady holding an infant using her desert financial debit card's tap-to-pay feature at checkout in a store.

Secure, easy and fast!

You can have peace of mind when using your Visa® debit card.

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Your debit card benefits

Fraud monitoring
You will be alerted if we spot potentially fraudulent activity on your card.
Learn more
Zero Liability Protection
You will not be responsible for fraudulent charges made with your debit card.¹
Learn more
Purchase Security
Can replace, repair or reimburse you for stolen or damaged purchases.²
Learn more
Extended Warranty Protection
Existing warranty coverage can be doubled for up to one additional year.³
Learn more
Personal ID theft
Can provide reimbursement for lost wages, fees and other costs if your identity is stolen.⁴
Learn more
Roadside dispatch®
Drive worry-free with this pay-per-use roadside assistance program.⁵
Learn more

Contact us at (602) 433-7000 for more information and for details on how to utilize a cardmember benefit.

You can do a lot with your debit card

Digital wallet-ready
Add your card to your Apple, Google or Samsung wallet.
Tap-to-pay technology
In a hurry? Just tap and go!
Card controls
Turn your card on and off as needed for security.
ATM
Surcharge-free ATMs
Use 30,000+ ATMs in the CO-OP Network, fee-free.
Instant issue
Get your debit card immediately at any of our branches.

Choose your favorite card design!

 

Sunrise

Desert Night

Blue Agave

Furry Friends

Cardinals

Sparks of Innovation

Pitchfork Pride

Classic Sparky

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A cozy family moment in their bright living room, with the father, mother, and daughter reading a book together on the couch. The mother holds the book while the young girl eagerly reaches for it.

Get more with Relationship Rewards

Relationship Rewards is a free program you're automatically enrolled in when you become a member. You earn points for doing various banking activities with us – and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.

How to get a debit card online

Open a Free Checking account.⁶
Get your card in the mail in 7-10 business days.
Activate it by calling (877) 635-9624.
Add your card to your digital wallet for convenient use.

Want instant gratification?

Visit a branch to get your debit card right away!

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 reply with YES or NO as a one-time response:

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.

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.

Purchase Security and 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.

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1

Zero Liability Protection covers fraudulent transactions made by others using your Desert Financial debit card. For transactions to be covered under this protection, 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.

2

For complete terms and conditions, refer to Purchase Security Terms and Conditions.

3

For complete terms and conditions, refer to Extended Warranty Protection Terms and Conditions.

4

For complete terms and conditions, refer to Personal ID theft terms and conditions.

5

For complete terms and conditions, refer to Roadside dispatch terms and conditions.

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 incurred — such as a stop payment or NSF fee — 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.

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Desert Financial does not endorse and is not responsible for the content, links, accessibility, or security of any external website. The privacy and security policies of Desert Financial do not apply to the linked website. We encourage you to review these policies upon visiting the linked site to see how they apply to you.