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  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
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Online Banking

Do your banking anytime, anywhere. That’s the convenience of online or mobile banking.

Online and Mobile Banking For Your Convenience

Instantly access your accounts anytime, anywhere.

Enjoy the convenience of banking on the go with our Online Banking System and the Desert Financial mobile app! With our easy-to-use digital services, you can access all of your banking information and manage your money from your computer, phone or tablet.

Sign up now

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Add money to your account without leaving your home.


Your money, your way

Take a photo of your check and deposit your funds in a snap.

  • Convenient and free remote deposit app
  • Deposit checks from your smartphone or tablet
  • Just snap a photo of the front and back of your check with the app
  • Easily set up direct deposits

View our quick video tutorial on how to do remote check deposits!

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Move funds between accounts at Desert Financial and beyond!


Effortless ways to move your funds around

Make transfers to and from your accounts at Desert Financial and beyond.

  • Transfer to any account, personal or business, within the U.S.
  • Transfer money between your Desert Financial accounts
  • Transfer funds to or from your account at another financial institution*
  • Make payments to your Desert Financial credit card with our External Transfers feature

View our quick video tutorial on how make online payments and transfers!

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Track your finances with a quick click!


Track your finances with a quick click

Additional online and mobile features make it easier to keep an eye on your money.

  • Quickly view your Desert Financial account balances
  • See your account history
  • Find convenient branch and ATM locations
  • Keep track of your accounts at other financial institutions*
  • Get instant notifications for low balances, overdrafts and cleared checks
  • Eliminate paper waste with eStatements

View our quick video tutorial for an overview of the Online Banking basics!

Watch now

FAQs About Online and Mobile Banking

Go to the Desert Financial homepage, click “Sign Up Now” in the Login box, and then follow the instructions to create your account.
You can also view our step-by-step video tutorial.

Go to the Desert Financial homepage and click “Forgot Password” under the Login box. Provide your username and social security number, and then follow the instructions provided.

If you receive an error message while attempting to log in to online banking from a work computer, please check with your system administrator regarding your proxy/firewall settings.

You will see transactions that have been made in your checking, savings, money market and loan accounts. Account history includes such details as the date, amount, description and account balance. You can review all transactions posted within the past two years.

The only difference is that you can deposit checks through the Desert Financial app, but you cannot deposit checks via online banking.

  1. Download the app.
  2. Log in with your online banking username and password and go through a one-time verification process.
  3. Enjoy!

You can access your savings, checking, and loan accounts in the app. You may also be able to view Savings Certificates and Retirement accounts.

The username and password you created for online banking will be the same for the app.

As a security precaution, you will not be able to receive alerts or use text banking until you verify your phone number in Settings.

You can sign up for and access eStatements in online banking.

You can set up new alerts and manage current alerts under the Notifications tab in your Settings.

Daily alerts — such as the balance alert — will be active after 5:00 p.m. on the same day that you set them up. All other alerts will be active within an hour of setup.

Text banking can only be used for viewing account balances. Alerts are notifications about account activity that you set up within the app and online banking.

Login Help

At Desert Financial, we want you to have a productive, streamlined Online Banking experience. That’s why our Login Help is designed to make accessing the system easier — and to point you in the right direction for assistance if you need it. For instance, if you attempt to access Online Banking from a work computer and you receive an error, you may want to check with your system administrator regarding your proxy/firewall settings.

To enroll, simply enter your Member Number in the Login field on the home page, and complete the enrollment process. Your Member Number can be found displayed prominently on the paperwork you received when you opened your Desert Financial account.

Click the “Forgot Password” link on the password entry screen. For security purposes, you will be asked to enter some personal information. Please have your social security number and username on hand, as they are required to verify your identity. For details on interfacing with Quicken or QuickBooks, please access the Account Software page.


Your security is one of our highest priorities at Desert Financial. We use state-of-the-art software and other technologies to prevent unauthorized users from accessing our systems. Some of the measures we take are very apparent — including the encryption of sensitive data and password protection — while other precautions are equally effective, but less obvious.

  • Browser Encryption
  • Username and password
  • Networking security and monitoring

Here are some of our practices that help ensure the confidentiality of your transactions:

We support most modern browsers. IE, Chrome, Firefox, etc.


We require 128-bit secure, JavaScript- and cookie-enabled browsers to log in and use Online Banking. Supported browsers are noted on our Site Requirements page, accessible via the button above.

SSecure Sockets Layer (SSL) Certificates are used to both authenticate the identity of a website and encrypt communications between the user and the website. Desert Financial chose Verisign’s Extended Validation (EV) SSL – the highest standard for website authentication – because we take your online security very seriously. In high-security browsers, an EV SSL Certificate triggers the browser address bar to turn green, display http:// and show our name as the owner of the website.

You are required to enter a valid username and password to access Online Banking. You will notice that we do not display the characters of your password as you enter them, which provides an extra level of visual security. In addition, data is encrypted through a secure server connection, using SSL technology.

For your security, you should never save your passwords when prompted by your browser. This is especially important if you are accessing your account from a public computer. In addition, never share your password with anyone or write it down where someone might find it. We recommend that you change your password often and do not use common words that can be found in the dictionary, your first or last name, or numbers in a series.

Please ensure that you use your Logout feature if you will be leaving your computer for any amount of time. Logging out will ensure that your session has ended, and your username and password will be required to reenter the Online Banking system. We recommend that you close your browser after you have logged out. This will provide one more level of security and ensure that no one is able to enter your previous session.

Desert Financial will never send unsolicited emails or make unsolicited phone calls or texts asking you to give or verify personal information online, including your username, password or PIN. You should never respond to any email or text message that states that your account has been compromised and/or that asks you to confirm your account number or any personal information.

Desert Financial confirms your identity via at least two unique elements: ATM transactions that require a separate card and PIN, and Online Banking, which requires a short code verification sent to your phone or email.

Firewalls are used to protect our systems and networks from any unauthorized Internet traffic. The firewall’s purpose is to ensure that only authorized traffic is allowed to pass through our systems and networks. As this is done, logs of network traffic are created, which allow us to do centralized auditing and security monitoring. The security of financial transactions is an ongoing process at Desert Financial, so we employ around-the-clock monitoring of our systems and networks.

Your security is one of our highest priorities at Desert Financial. We use state-of-the-art software and other technologies to prevent unauthorized users from accessing your accounts.

App Banking uses encryption to keep your information secure and confidential. It does not store any confidential information on your mobile device.

Mobile Web Banking ensures all the information sent and received is encrypted, just like when you do Online Banking at home.

Text Banking does not send any confidential security information about you or your accounts, either to or from your mobile device. Similar to ATM receipts, full account numbers are never displayed. You are required to use account nicknames that don’t include any digits from your account numbers.

You can also take actions to increase your Mobile Banking security:

  • Use a password on your mobile device.
  • Never share your private information (password, PIN, ext.) with anyone.
  • Don’t save private information on your mobile device.
  • Immediately report the loss or theft of your mobile device to both Desert Financial and your carrier.
  • Save m.taramcnamee.com as a bookmark to avoid mistyping the URL.
  • Add Desert Financial’s short code, 90312, to your phone’s contact list with a distinctive name, so you will know incoming messages are from Desert Financial, not someone imitating Desert Financial.
  • Use account nicknames, not account numbers.
  • Do not include any digits from your account numbers in nicknames.
  • Sign up for Alerts, allowing you to have important information about the status of your account sent directly to your phone.

Sign up now

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*For complete terms and conditions, refer to the Online Banking External Authorization and Service Agreement and the Online Banking External Transfer Policy, located within Online Banking.
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