Desert Financial Credit UnionReviews of desertfinancial.com

Well, Bank will be able to function much better if they don’t share network with scammers. To begin with I have no option to reply properly and I am replying in original message - need improvement, right. I received multiple security codes because I wasn’t able to log in. I don’t get paid for having you being promoted but will keep an eye on my account. Sarina Starfish

We are leaving Desert Financial Credit Union. DFCU has been with holding transactions going through my account for up to eleven day to charge over draft fees. I accidentally over pay a bill so it was going to leave us a little shorter than normal so we notified the bank and they could not help us stop the payment. We knew it would be tight but the bills are paid. I paid a bill for around $160 on 9/18/2025 and it showed it was pending on our account that day so I thought it had been paid. Every other previous month the payment took only 3 days to go through my account. This month it took 11 days and it didn’t go through our account until 9/30/2025. We also had a Walmart order on September 20th, showed up in our pending transaction immediately but then disappeared and didn’t go through our account until the 27th. My wife just called yesterday and they reversed 4 overdraft fees since the accidental payment caused us to be overdrawn $6, which created 4 overdraft fees. We got positive in our account and couldn’t even get gas before you put that $160 charge through now causing us to be overdrawn again. This seems very intentional. The way you are withholding transactions is now going to cost my family hundreds of dollars. if I could leave less stars I would. We’ve had accounts with several “big” banks like B of A and US bank and though the fees were higher they didn’t utilize these kind of tactics just to make a few dollars for a billion dollar bank that pretends to be a credit union.

Iam their customer and didnt get the joining bonus and I was not aware that I need to make certain transactions and it had to be within 2-3 months something duration. I believe I did everything. Yet it was whole a complex process. In the end didnt get anything but a savings account.

I would like to post to your Desert Financial "stories" but I can't find a way to do that. I am NOT one of your members who is already "wealthy." I'm just trying to do the best I can with what I do have. I was turned away from trying to invest with your "wealth management" -perk- because I was only trying to invest a measly $1000. The girl behind the counter LAUGHED at me before she said "you need at least $25,000 to start." You have hit me with over $900 in OVERDRAFT fees based on my automatic payments! Shut it down! Its a DEBT card! What is wrong with you?? I did call and you removed 5 of the 25 $30 overdraft fees, this time.. You aren't trying to "help" anyone, but those who already have it.

I had did a mobile deposit on June 27th and was told I have to wait till July 8th all though my check was paid out to me the 27th

I opened a new account with a check from the Credit Union I belonged to in Indiana. I was told it would take a couple of days before I would have access to the funds, I was not told there would be a 7 day wait for access. The check was withdrawn from my Credit Union the day after it was written, yet I was required to wait 6 more days to have access to the funds.

I went in for a loan and she made me a checking and savings account that I had to pay for. She told me it would help with my chances of getting approved and then I didn't get an answer. She wouldn't sign me up for a loan or even attempt she signed me up for $1000 overdraft allowance! I NEEDED A LOAN AND SHE DID EVERYTHING BUT WHAT I ASKED FOR. NOW I HAVE AN ACCOUNT I WILL NEVER USE! Worst bank ever, they DON'T care what you want, they WILL take your money though! Wish I could rate 0 stars!

Transferring money is a massive headache. To do it in a quick manner you have to use a 3rd party that charges fees.