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  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238


Choose from one of our debit card designs when you open a Free Checking account! Already a member? Upgrade your debit card with one of our NEW designs below, and contact or visit us today!

Ready to Become a Member?


Sunrise Card

Sunrise Card

Arizona Cardinals Card

Arizona Cardinals Card

Desert Bloom  Card

Blue Agave

Beautiful Arizona Card

Desert Night

Beloved Pets Card

Furry Friends

All of our debit cards are equipped with chip technology for added security. Use any debit card at merchants and ATM machines worldwide.2

Visa® Debit Cardmember Benefits

Using your debit card for everyday and large purchases has many advantages — and we offer three Visa® consumer cardmember benefits for your protection:

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

Contact us at (602) 433-7000 for more information and to utilize a cardmember benefit. Please note, cardmember benefits are not available for Visa® Business Debit.

About Our Fraud Protection Alert Feature

At Desert Financial, we work to monitor your debit card transactions for fraudulent activity. When we spot suspicious activity on your debit card transactions, 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. Refer to our FAQs below for more information on fraudulent activity. Notifying you of possible fraudulent activity is just another way that Desert Financial works to help protect you.

FAQS: Fraud Protection Alert Feature

This service is 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 this service.

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.

This service is provided to you at no charge from Desert Financial; however, message and data rates may apply.

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 activity. 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.

1A $5 card exchange/replacement fee may apply.

2Account holders receive two free ATM withdrawals per statement cycle at PLUS®, CO-OP, and Visa® ATMs; $2 for each additional transaction. Unlimited transactions allowed at Desert Financial ATMs.