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


Desert Financial has upgraded our debit cards to include the latest tap-to-pay technology. With your Desert Financial contactless Visa® debit card, you’ll be able to tap to pay for a secure, convenient and touch-free way to check out. See our FAQs.

An icon of a credit card with a lock


Protects against fraudulent charges1

Thumbs up icon


Fast and easy

An icon of a badge with a checkmark inside of it


Touch-free purchases

How to Activate Your Contactless Visa Debit Card

Your card must be activated before it can be used. To activate your card and set your PIN, call 877-635-9624. Don’t have your card yet? Learn how to get one in our FAQs.


Tap to pay the easy way! Just follow these steps:

The EMVCo logo


for the EMVCo
Contactless Symbol.

An icon of a hand tapping a credit card


your card to the checkout
device and hold.

An icon of a dollar sign with a checkmark


Your transaction is
complete in seconds.


Tap to pay anywhere you see the contactless symbol.

An icon of a retail store

Retail shops

An icon of a restaurant


And icon of a grocery store

Grocery stores

An icon of a vending machine

Vending machines

And icon of a dollar sign and a checkmark

& more!

You can also add your contactless debit card to your digital wallet for even more purchasing options.


Choose one of our contactless Visa debit card designs when you open a Free Checking account!1

All of our debit cards are equipped with chip technology for added security.

Use your Desert Financial Visa debit card at merchants and ATMs worldwide.2

Desert Night card

Desert Night

Arizona Cardinals card

Arizona Cardinals

Blue Agave card

Blue Agave

Sunrise card


Furry Friends card

Furry Friends

Desert Night card

Sparks of Innovation

Arizona Cardinals card

Classic Sparky

Blue Agave card

Pitchfork Pride

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.3

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.

For more information on our Fraud Protection, please see the FAQs below

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 to utilize a cardmember benefit. To learn about our Visa business debit cardmember benefits, please visit the business debit webpage.

Have questions? Here are answers to Frequently Asked Questions about contactless Visa debit cards.


What Should I Do When…?

In this section, you will find commonly asked questions regarding your Desert Financial Visa debit card. This section pertains to all debit cards that Desert Financial issues, including contactless debit cards.

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

Consumer Debit Cards

  1. Full card number
  2. CVV2 (security code on back of card)
  3. Card expiration date (MM/YY)
  4. Card holder’s date of birth (MM/DD/YYYY)
  5. Last 4 digits of card holder’s SSN

Business Debit Cards

  1. Full card number
  2. CVV2 (security code on back of card)
  3. Card expiration date (MM/YY)
  4. Card holder’s date of birth (MM/DD/YYYY)
  5. Last 4 digits of card holder’s TIN

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

Fraud Protection

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.

Contactless Visa Debit Cards

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.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

1Primary 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 Statements of Terms, Conditions and Disclosures.

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.

3Zero 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.