• Refer a Friend
  • Locations
  • Contact
  • Rates
  • Schedule Appointment

  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238
A woman making the switch to Desert Financial


Switching to Desert Financial is as easy as 1, 2, 3! We’ve laid out every step, so you won’t have to worry about a thing. In our printable Switch Kit, you’ll find even more resources to help you stay organized and make changing your bank or credit union a cinch.

Get the Switch Kit

You can also learn more about our products, services and member eligibility requirements. It’s easy to join Desert Financial!

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10 – 20 min.

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20 - 30 min.


Visit a branch

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20 – 30 min.


Banking should be straightforward, secure and tailored to your needs. And that’s exactly what you’ll get when you join Desert Financial — plus great member perks! Find out how we share success with YOU and our community.

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Set up Online Banking.

Sign up for access.

Watch our quick tutorial video.

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Download the Desert Financial Mobile app.

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Set up direct deposit.

Provide our routing number and your account number to your employer.

Desert Financial Routing Number: 122187238

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Activate your debit card.

Call (877) 635-9624 to select your PIN and activate your card. Expect your card in 7-10 days if your account was opened online.

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Set up Bill Pay in Online Banking.

Use the AutoPay feature to pay reoccurring bills (streaming apps, utilities, etc.).


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Close your old accounts.

Lastly, ask your previous bank or credit union to close your accounts.