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


  1. Where is my contactless debit card? When will I receive it? We will be re-issuing contactless debit cards to all our valued Desert Financial members now through January 7, 2022. Unfortunately, we are unable to provide each member with a specific date that they will receive their card. If you have not received a new contactless debit card by January 15, 2022, please contact our Member Experience Center at 602-433-7000 or visit your local branch. Until then, please continue to use your existing debit card for your purchases.
  2. What if I want to change my contactless debit card design? Your new contactless debit card will be the same design as your existing debit card unless it is one of the designs that we have discontinued.** We encourage you to wait until you have received your new contactless debit card before ordering a new card design. You can order a new card design through your online banking or mobile app or by calling 602-433-7000.
    **Note: We have discontinued our Splash design and Coyotes debit card. If you had one of these debit cards, you will receive our Desert Night debit card design.
  3. What do I do if I have lost my current card and can’t wait for my contactless card? If your current debit card is lost or stolen, you can order a replacement card by calling 855-578-5801 or by visiting your local branch. You can also report a lost, stolen or damaged debit card through your online banking or mobile app. If using your online banking or mobile app, a replacement card will be ordered for you and your existing card will be closed if reported as lost or stolen.
  4. What happens to my existing debit card? Your existing debit card will remain active until you activate your new contactless card. Once you activate your new contactless card, please cut up and destroy your old card.
  5. What if I don’t want a contactless card? Contactless technology is safe, secure and convenient! Many merchants have the tap-to-pay function, 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 debit cards moving forward! For more information on safety and security, please see questions 7-9 in the FAQ.
  6. Is it safe to use a contactless card? 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 doesn’t need to leave the consumers' hand, there is no opportunity for additional card details (such as security code or CVV) to be compromised.
  7. Could I be debited twice if I have more than one contactless card? 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.
  8. Could I unknowingly make a purchase if I walk past the reader? 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.
  9. What if I can’t activate my new contactless debit card? If you have any issues with activating your contactless card, please call our Member Experience Center at 602-433-7000 or visit your local branch so we can help you activate your card.