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


You want your banking to be easy. So we work hard to create a banking experience that’s straightforward, secure and tailored to your needs. You’ll be surprised by how great it feels to know that the Desert Financial team has your back.

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Free Checking1

Our Free Checking1 account has no minimum balance, no monthly service fees and no hassles.

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Mobile Banking

We’re local to Arizona, but you can take your banking with you wherever you go with our online banking and app.

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Mobile Deposit

Save yourself a trip and deposit your checks with the Desert Financial app.

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Relationship Rewards

The more you do with us, the more you get back! See how with our Relationship Rewards program.

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Credit Cards

Get the card that fits your lifestyle with our rewarding options for credit cards.

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Debit Cards

We offer multiple card designs to suit your lifestyle, including our Arizona Cardinals Visa® debit card, which shows off your Bird Gang pride.

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It's Easy to Become a Member

Anyone can be a member of Desert Financial! You just have to meet one of these three eligibility requirements:

  1. Live, work, attend school, volunteer or worship in our membership coverage area, which includes all of Arizona
    (with the exception of Apache, Graham, Greenlee and Santa Cruz counties) OR
  2. Be an immediate family member of a current Desert Financial member OR
  3. Be an employee of Desert Financial

Business Eligibility

Businesses must be located in the state of Arizona in order to be eligible to join.


1Primary 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. Checking is free; however, fees incurred — such as a stop payment or NSF fee — will apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.