Strong businesses build thriving communities

We support Arizona business owners with practical banking tools and guidance to help you operate with confidence and plan ahead.

Local businesses. Real stories.

Hear how Arizona business owners work with Desert Financial to simplify operations and stay focused on growth.

Business checking

Manage your day-to-day transactions with a checking account that suits your business.

Business savings

Choose from no minimum balance savings, a money market account or a savings certificate.

No or low monthly fees

Flexible options that help you keep more of your hard-earned money.

When your business joins the MyMoney@Work program¹, you can earn cash bonuses and financial wellness perks for you and your team!

Positive Pay

Mitigate fraud by monitoring your company's check and ACH activity before it posts to your account.

Merchant Services

Accept debit and credit card payments online, in person, or by phone so you can get paid your way.

Remote Deposit Capture

Deposit business checks securely without leaving your office.

ACH Payables and Receivables

Initiate direct deposits, vendor payments, and manage collections.

Online Business Wire Transfers

Make outgoing domestic wire transfers quickly, reliably and securely.

Zero Balance Accounts (ZBA)

Automatically move funds to and from a designated account to manage your liquidity more efficiently.

Clear answers. No pressure. Real support.

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Enjoy the convenience of nearly 50 branches statewide and more than 30,000+ surcharge-free ATMs in the Co-op network.