How do I enroll in online banking? What if I forget my password? What if I get an access error? What will I see in my account history? What’s the difference between banking online and in the app? How do I get started with banking in the app? Which accounts can I access in the app? What is my username and password for the app? What happens if I change my phone number? How do I sign up for eStatements? How do I set up and/or manage my alerts? How long will it take for my alerts to become active? What is the difference between alerts and text banking?

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.

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

VIEW SITE REQUIREMENTS

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.