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  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238
A member using Online Banking from Desert Financial

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MANAGE YOUR FINANCES IN ONE PLACE

Easily check balances and make transfers to external accounts.

It’s a hassle to log in and out of multiple banking systems. That’s why we made it easier to manage your accounts at other banks through Desert Financial’s Online Banking. You asked for more features that connect all of your accounts together in one place — and we heard you!

With our External Transfers and External Accounts features, you can add, view and make transfers to your accounts at other financial institutions within Online Banking and the Desert Financial app. That means easier access to pay bills, check your balance or move money between accounts. Our new features can also be used to add your Desert Financial credit cards to Online Banking so that you can quickly view your transaction history or transfer funds to pay your credit card bill.

GET STARTED NOW

Follow the instructions below to add your external accounts to your Online Banking. If you have any questions or are having difficulty setting up External Transfers or External Accounts, please contact us through Online Banking or call our Member Assistance Center at 602-433-7000.

Log in to Online Banking.
Go to Settings (Hint: Click on your name in the upper right-hand corner).
Click the Accounts tab.
Click Link an External Account.
The Add an External Account window displays.
Click Link accounts from another financial institution.
View and respond to the disclosure.
Click Continue.
The Link accounts window displays. Select a financial institution from the Most Popular Sites list or search for one in the Institution name field.
The Log in to your account window displays.
Complete the fields as follows:
Field
Instruction

User ID
Enter User ID for external account’s online banking

Password
Enter password for external account’s online banking

Re-enter Password
Re-enter password for external account’s online banking

Field
User ID
Instruction
Enter User ID for external account’s online banking

Field
Password
Instruction
Enter password for external account’s online banking

Field
Re-enter Password
Instruction
Re-enter password for external account’s online banking

Click Submit.
The Log in to your account window displays again. You will automatically receive a verification code via your preferred contact method in your online banking contact settings.
Enter the code you received into the Please enter the verification code sent field.
(Hint: You have 110 seconds to enter the code.)
Click Next.
The Congratulations! You have successfully linked your account(s) window displays.
Click All done.

This requires additional security. Please follow the steps to set up an External Transfer Account.

The Balances and Transaction History will appear on your Dashboard and Accounts Page. You can also set it up to show in your Mobile Snapshot.

Sometimes, the connection from another bank or credit union may need additional time.
We recommend that you log out and back in.

Under Settings —> Accounts, you can edit Nicknames, Order and Color — just like any other account you see in online banking.

Yes. Under Settings —> Accounts, you can manage all of your accounts.

You will need to update the information within online banking under Settings —> Accounts.
The previously synced balance and transactions will still show.


Log in to Online Banking.
Click on the Transfers icon on the left menu.
Click the Classic tab.
Click Add an External Account.
View and respond to the disclosure.
Click Continue.
The Add account at another bank window displays.
Complete the fields as follows:
Field
Instruction

Account Type
Choose Checking or Savings* from drop-down

Routing Number
Enter your external bank’s 9-digit routing number

Account Number
Enter your external bank account number

Confirm Account Number
Re-enter your external bank account number

Nickname
(Required) Enter a nickname for your external account

*If adding a Money Market, choose Savings
Field
Account Type
Instruction
Choose Checking or Savings* from drop-down

Field
Routing Number
Instruction
Enter your external bank’s 9-digit routing number

Field
Account Number
Instruction
Enter your external bank account number

Field
Confirm Account Number
Instruction
Re-enter your external bank account number

Field
Nickname
Instruction
(Required) Enter a nickname for your external account

Click Save.
The Verification needed window displays. Click email or text to choose a verification code delivery method.
Click Send code.
Once you receive the verification code by text or email, enter it into the Enter code field.
Click Verify (Tip: Your verification code will expire after 10 minutes.)
The Confirm your External Account message window displays and reads as follows:

“As a security measure, you cannot transfer funds to or from this account until it has been confirmed. We will send two deposit transactions to this account. It may take up to three business days to appear in the transaction history. Go to Settings and click on the Accounts tab to confirm the external account.”
Click OK.
Once you return to your Dashboard, you will see an actionable alert reminding you to confirm your trial deposits to finish linking external accounts.
Once two trial deposits are received (this may take up to three business days) in your External Account, you can confirm them in Online Banking by clicking the Confirm button on the actionable alert or by going to:
  • Settings
  • Accounts tab
  • Scroll down to ACH Accounts
  • Click Confirm next to the account
The Confirm trial deposits window displays and reads as follows:

“As a security measure, we sent two transactions of different amounts to account #_______ at _______. It may take up to three business days for those transactions to appear in your account.

We ask you to confirm the transaction amounts to ensure you’re the owner of this [Financial Institution] account.”

Complete the fields as follows:
Field
Instruction

First Deposit
Enter amount of first trial deposit into External Account

Second Deposit
Enter amount of second trial deposit into External Account

Field
First Deposit
Instruction
Enter amount of first trial deposit into External Account

Field
Second Deposit
Instruction
Enter amount of second trial deposit into External Account

Click Confirm.
The external account will now show in the transfer to or from drop-down menus in Transfers.

The Online Banking Transfer Activity status does not track the actual External Transfer transaction progress, and may not show as Completed for up to four business days after your transaction. View your account history to track the transaction’s progress.

Three to four business days.

Yes.

No, external transfers are free unless an item is returned. Check with your other financial institution to see if there are any fees associated with this transaction.
Fees – see ACH Originations fee schedule .

At 3:00 p.m. on weekdays — transactions are not processed on weekends or holidays.

Confirm that four business days have passed and that the account and routing numbers are correct. If yes to both, please send a secure message to Desert Financial through Online Banking.

No. For your security, this should only be set up for accounts in which you are the member on both accounts.

No, these cannot be set up for financial institutions outside of the U.S.

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