CONTACTLESS VISA^® DEBIT CARDS ARE AVAILABLE NOW

Members can log in to their Online or Mobile Banking and click on “Card Manager Widget.” From here, you will be able to enter the dates and locations of an upcoming trip to ensure your card will still work while you are out of the country.

Some merchants may authorize a different amount from what you paid and once the transaction clears, the preauthorized hold amount will be released and the total you paid will be the amount that is posted to your account. This is common when you pay at the gas pump or in restaurants where a tip you leave was not part of the preauthorization amount. If this happens:

1. Wait for the transaction to post. This typically takes up to 72 hours.
2. Once the transaction amount posts, confirm that it is the amount that you signed for and the preauthorization hold has been released. If the amount you were charged is different from the amount you have a receipt for, please call the merchant first.
3. If you are unable to resolve with the merchant, please contact us via Chat, Online Messaging Center or by calling 602-433-7000.

For your security, your card will be blocked after three (3) unsuccessful attempts entering your PIN. You will need to contact Desert Financial at (602) 433-7000 or visit your local branch to have your card unblocked.

Desert Financial’s general practice is to mail out new cards to those whose cards will be expiring approximately 45 days before the card expires. To make sure you get your card, please log in to your Online Banking and verify we have your correct address and phone number.

If your card expired and you have not received a new card, please visit your local branch to have a new contactless Visa debit card issued to you the same day. You can contact us via Chat, Online Messaging or by calling 602-433-7000.

If you are having trouble activating your Desert Financial Visa debit card, please contact us via Chat, Online Messaging or by calling 602-433-7000. You can also visit your local branch to help you activate your card.

If your debit card is damaged, you can order a replacement card by:

1. Logging into your Online or Mobile Banking and ordering a new card through our Card Manager widget. You will still be able to use your existing debit card until you receive and activate your new card. It will typically take 7-10 business days to receive your new card in the mail.
2. Call Desert Financial at 602-433-7000. We will be able to order a new card and you can continue to use your existing card until you receive and activate your new card. It will typically take 7-10 business days to receive your new card in the mail.
3. Visit your local branch, where they print a new card for you the same day.

If your debit card is lost or stolen, you can call 855-578-5801 to report your card and have a new card ordered for you. You can also report a lost or stolen debit card through your Online or Mobile Banking in our Card Manager Widget.

When you report your card lost or stolen, your current debit card will be closed, and a replacement card will be ordered for you. It will typically take 7-10 business days to receive your new card in the mail. Once a card is closed, it cannot be reopened. A new card number will be issued to you.

If there has been fraud on your account, our team will be able to walk you through the steps to dispute the transaction.

For ATM or Debit card PIN number creation or PIN number changes call 1-877-635-9624

New cards and PIN numbers will be effective immediately for use at both ATMs and merchants.

Fraud Alerts and Zero Liability are available to all members.

All members who provide or have provided a current cell phone number to Desert Financial and have SMS texting enabled are automatically enrolled in Fraud Alerts. Zero Liability Protection is available on all debit cards; no enrollment is needed.

There are two ways to opt out:

1. You can opt out of the service by calling Fiserv EnFact Fraud Protection Center at (866) 750-9107.
2. If you receive a text message notice alerting you of possible fraudulent activity, then you can text back STOP. You will no longer receive any further text messages.

These services are provided to you at no charge from Desert Financial. However, message and data rates may apply to alerts sent to your cell phone. Please check with your mobile carrier.

For your security, Desert Financial will never ask for personal or account information via email, text and/or phone call. A text will ask you to confirm or deny recent charges on your debit card that could be fraudulent. We will only ask you to reply with YES or NO as a one-time response.

If you receive a suspicious text from Desert Financial requesting information from you other than YES, NO or STOP, the text is fraudulent. DO NOT RESPOND; contact (602) 433-7000 to report the incident.

Keeping your contact information updated with Desert Financial is essential for this service to properly alert you of potential fraud. You are able to view and update your contact information through your Online Banking Account by taking the following steps:

1. Log into your Online Banking Account.
2. Click the down arrow by your name.
3. Click “Settings.”
4. Click on the “Contact” tab.
5. Click “Edit” on any personal information you want to update.
6. Click “Save Changes” after making your updates.

In addition to text messaging, you may receive an email and/or phone call when suspicious activity is identified on your debit card transactions. You may also receive an email alerting you that a fraud alert notification was sent via text message.

If you have noticed a fraudulent transaction on your account, please call (602) 433-7000 to report the incident promptly. For the transaction to be covered, do not share personal information, including your PIN, with anyone.

Our contactless Visa^® debit cards can still function the same way that you have always used them (either swiping your card or inserting it into the chip reader). We have added the latest tap-to-pay technology as an additional option for our members for a more secure and convenient way to pay!

Contactless technology is safe, secure and convenient! Many merchants offer the tap-to-pay function at check out, but you can still use your card in the chip reader if the merchant does not have tap-to-pay capabilities or if you prefer to use the chip instead. We are committed to providing our members with solutions that make their lives easier and we are excited to offer contactless technology in all our Visa debit cards moving forward!

Yes! All contactless transactions are protected by the same secure encryption technology as any type of chip transaction. Several additional safety measures are built in as well. Because the card does not need to leave the consumer’s hand, there is less opportunity for additional card details (such as card number or CVV) to be compromised.

No. You cannot be debited twice if you have more than one contactless card. Contactless readers are specifically designed to communicate with only one card and perform only one transaction at a time. A single transaction must be completed or canceled before a second payment can be initiated.

No. Your contactless card must be waived within four centimeters of the card reader for more than half a second with an approved transaction amount to process the transaction. Your contactless card cannot be charged for a purchase if you walk past the reader.

If you do not have a Desert Financial contactless Visa debit card, you can stop by your local branch to have one printed on the same day.** Additionally, you can order a Contactless Visa debit card in our Online and Mobile Banking through our Card Manager Widget, or you can contact Desert Financial via Chat, Online Banking Messaging Center or by phone at (602) 433-7000.

**Please note that HSA and ATM cards are not available to be printed same day. To order an HSA or ATM card, you can visit your local branch or call us.