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

Open a Free Checking Account Online, Get $1001

Sign up in minutes.

You shouldn’t have to pay to spend your hard-earned money. That’s why we offer a Free Checking account with no monthly service fees, no minimum balance and no hassles. And because we believe in giving back to our members, you’ll receive $100 when you open an account online and meet the requirements – a single direct deposit of at least $1,000 and enrollment in eStatements.


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Open an account online in minutes

apply for a loan online

use online banking

deposit checks remotely

use tap-to-pay technology with a contactless card

bank on the go with our mobile app

use HomeScout to find a new home!

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Join the #KindnessRevolution

help share success

give back to your community

celebrate local teachers

earn an annual cash bonus2

get $100 for referring a friend3

have the chance to win a sweepstakes

1Promotion Eligibility: To be eligible for offer bonus, new member must open accounts online by following the promotional link provided or mention this promotion while opening in branch or over the phone. New member must not already be the primary or joint owner of an existing account at Desert Financial Credit Union (DFCU) or have been the primary owner of an account at DFCU within the past 12 months. New member must be the primary account holder, be 18 years of age or older, meet Desert Financial’s membership eligibility and credit qualification requirements and establish a Membership Savings with a minimum balance of $25 and Checking account. Checking account is free; however, fees incurred, such as a stop payment fee — may apply. For complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.
Cash Bonus Eligibility: New checking must meet the following two requirements within the first 60 days of membership – 1. Establish and receive a minimum direct deposit of at least $1,000, and 2. Must enroll in eStatements. New accounts must be open and cannot be delinquent (by more than 30 days) at time of bonus payment. Bonus will be deposited into the qualifying checking account no later than 10 business days in the month following the end of the first 60-day period if qualifications are met. Employees of DFCU, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible for bonus offer. Bonus amount is subject to all applicable taxes and is the responsibility of the member. Offer cannot be combined with any other account opening offer and is subject to change without notice.

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.