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


No monthly service fees. No minimum balance. No hassles.


What Does Free Checking Mean for Me?

Our hassle-free Free Checking1 is really, actually, honestly free! We believe you shouldn’t have to pay to spend your own hard-earned money, so there are no requirements and no fine print. Free Checking is just another way for us to share success with you and our members!

Get Free Checking & MORE

We care about sharing success with our members! That’s why when you open a Free Checking account, you get MORE. Our bigger benefits and better rewards make life and banking better.


Get an annual cash bonus2 & the chance to win a sweepstakes & $100 for referring a friend3 & MORE!


Open an account online & use online banking & the mobile app & MORE!


Support Random Acts of Kindness & join our #KindnessRevolution & celebrate local teachers & MORE!


You have your hands full. But with Desert Financial, they're full of cash, convenience, community & MORE.


FAQs: Choosing Desert Financial

Desert Financial Credit Union contributes time and money to you, our members, our community and our team; whereas Big Banks are more concerned about making shareholders happy.

When you become a member and open an account with us, you become a part of a local movement rooted in the belief that the purpose of success is to share it to improve the lives of others. Get behind banking you can believe in!

When you join Desert Financial, you are automatically enrolled in our rewards program and earn points for rewards as you build your relationship with us. Learn more about how our Relationship Rewards program can benefit you! As a member, you also support our acts of kindness performed in the community and help make a difference as part of our #KindnessRevolution.

As a Desert Financial member, you get Free Checking & More — including an annual bonus, cash back, convenient mobile apps, the chance to win up to $75,000 and so much more.

You can easily access your online checking account 24/7 through online banking at DesertFinancial.com, using our mobile app or visiting your local branch.

Open a Free Checking Account

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 the published Statements of Terms, Conditions and Disclosures.

2Must be a Rewards Member or Rewards+ Member for a minimum of six months per calendar year to be eligible for annual cash bonus (“Member Giveback Bonus”). Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.

3Refer-a-Friend cash bonus offer valid for a limited time only. New member ("Friend") must present completed Referral Form at time of account opening and establish a Membership Savings and Checking account. New members cannot have any existing accounts (primary or joint owner) within the last 12 months. Referrer and Friend cannot begin credit union membership on the same business day. Account Opening Criteria: Primary account holder must be 18 years or older and meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Cash Bonus Criteria: To receive the cash bonus, the new checking account must meet the following criteria within the first 90 days: 1. Minimum of 30 posted transactions and 2. Establish direct deposit. 3. Must be open and cannot be delinquent (more than 30 days) at time of bonus payment. Bonus will be deposited into the qualifying Checking and referring member’s account within 10 business days in the month following the end of the first 90-day period if qualifications are met. Referring member must have an open and active share account at time of bonus payment and be at least 18 years of age. Employees of Desert Financial Credit Union, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible for bonus offer. Bonus amounts are subject to all applicable taxes and the responsibility of the member. Bonus cannot be combined with any other account opening offer. Referrals limited to five per member. Terms and conditions subject to change without notice.