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Relationship Rewards
When you join Desert Financial, you’re automatically enrolled in our free Relationship Rewards program.¹
How it works
How to earn points
Calculate your rewards level
Use this calculator to determine your current level, as well as what your level could be.
Select all options that you have:
You are a
Member
Total points
0
This calculator is for illustrative purposes only and does not guarantee eligibility for any specific rewards level. Actual rewards level is based on verified account activity and product ownership.1
The perks of Relationship Rewards
Select a level to see its perks1
Member (0-1 point)
Rewards Member (2 points)
Rewards+ Member (3+ points)
Free Checking
No minimum balance and no monthly service fees
Free overdraft protection transfers
Free Financial Well-Being tools
Kickstart for families, budgeting tools and webinars
Non-Desert Financial ATM waivers
Members: Two per statement cycle
Rewards and Rewards+: Unlimited
Debit card benefits
Fraud monitoring, Purchase Security and more
Zelle® access through our mobile app
Rate discount on consumer loans
Rewards: .25% discount
Rewards+: .50% discount
Cash back with Member Giveback Bonus
Free Desert Financial custom checks
Free money orders and cashier’s checks
Free stop payments
Discount on wills and trust packages
Rewards: $50 off a will package | $100 off a trust package
Rewards+: $75 off a will package | $150 off a trust package
Rebates of non-Desert Financial ATM fees/surcharges
Up to $50 per checking account, per statement cycle
Free incoming wires
Earn a Member Giveback Bonus!
Did you know we give an annual cash reward to members who do more with us?
Tell me more
FAQs
What is Relationship Rewards?
Relationship Rewards is a free program that gives members benefits for growing their relationship with Desert Financial. Members earn points based on the various banking activities they do with us. Relationship Rewards is just one of the ways we share success with our members!1
How can I earn points?
You can earn one point in each of the following categories (four points max):1
- Transacting: Make 25+ checking account transactions OR have direct deposits totaling $500+ monthly
- Saving: Have $10,000+ in combined investment and deposit balances
- Borrowing: Have a current home equity, mortgage or auto loan
- Bonus Loyalty Point: 20+ years of continuous membership
How often and when are points calculated?
Household points are calculated monthly and updated on the first calendar day of each month (based on the services you have on the last calendar day of the previous month). Direct deposit and checking account transactions are calculated based on activity during the previous calendar month.1
What is considered a “household” for Relationship Rewards?
A “household” includes all Desert Financial members who reside at your address. It’s our way of expanding benefits to include your entire family. This means you can combine points! For example, if you have another person in your household and they have one Relationship Rewards point for borrowing (a loan), and you have one point for saving, together you have two Relationship Rewards points. But a household can only earn one point in each category (Borrowing, Saving, Transacting and Loyalty), so if you have a loan with us and someone else in your household also has a loan with us, your household will get only one point for Borrowing.1
Disclosures
1
For complete details of the Relationship Rewards program please refer to the Relationship Rewards Disclosure – Supplement to the Statements of Terms, Conditions and Disclosures.