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Business banking for all

Over 24,000 Arizona businesses count on Desert Financial for everyday banking.

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Cash + work perks for you and your team

When your business joins the MyMoney@Work program, you’ll earn $200 for each employee who joins – and they’ll get $200 of their own!¹

A recipe for business success

Key ingredients include patience, passion and partnership, according to Josh and Nick. You may know of their local eateries: Fellow Osteria and Pizzeria, Across the Pond, Clever Koi and Clever Ramen.

Business - Clever Koi - Youtube video

Money management made easy

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Business Checking
Manage your day-to-day transactions with a checking account that suits your business.
See account types
Business Savings
Choose from no minimum balance savings, a money market account or a savings certificate.
Start saving
Merchant Services
Accept debit and credit card payments online, in person, in-app or over the phone.
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Business Credit Cards
Earn rewards for everyday business spending and save on interest with competitive rates.
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Treasury Management
Manage receivables, payables and liquidity strategies while mitigating fraud.
See services
Business Loans
Give your business the boost it needs, from vehicle and equipment loans to lines of credit.
See loan types
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Insure what you've earned

Request quotes online for property insurance, liability coverage and more within your company’s budget.

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Invest in your company’s future

Desert Financial Wealth Management partners with Raymond James to help you personalize your business investments.²

Get in touch with our team


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Give us a call

(602) 433-5626


Program Eligibility: The MyMoney@Work program is open only to employees of businesses that sign up for the program. A referral is considered valid if it meets the Account Opening Criteria and the Cash Bonus Criteria below. Employee must enter their email address at 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 currently 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. Checking is free; however, fees for overdraft or additional services may apply. See Fee Schedule. 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 business’s 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.


Wealth Management:

Investment advisory services offered through Raymond James Financial Services Advisors, Inc.

Securities offered through Raymond James Financial Services, Inc., Member FINRA SIPC, and are not insured by credit union insurance, the NCUA, or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. Desert Financial Credit Union and Desert Financial Wealth Management are not registered brokers/dealers and are independent of Raymond James Financial Services. 

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.  


Raymond James Legal Disclosures | Raymond James Privacy Notice

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