Desert Financial Mobile 4+

Credit Unions Are Always Better Than Banks

If it’s a testament to Desert Financial, I’ve been with them for 7 years. They’ve always been good to me when it comes to overdraft fees (sometimes they say no 😜, but 80% of the time they work with me, and they don’t keep charging you a fee for everyday you’re overdrafted like big greedy banks do)

They put my car loan on hold for 2 months when I called them when Covid-19 hit, and they didn’t ask any questions or make a fuss about it. They’ve worked with me on my credit card payments too. Overall they’re a wonderful credit union, they constantly care, and I love their staff. Big ups from me for this place, I love them.

🙄

i’ve been with them for over 2 years now and i’ve really liked them everything is simple and easy but for over a month now it wouldn’t let me make payments on my credit card app and it wouldn’t show my amount that was due either so i finally emailed and reached out asking for help (they haven’t got back to me yet) but a few days after i sent it it FINALLY let me make a payment but i had to make a 400 dollar payment bc throughout the month it wouldn’t let me make my normal smaller payments and it also told me it was past due even though i tried countless times to pay throughout the month. it ended up knocking me down 26 points in my credit score so to say i’m upset is an understatement. i really have no idea what was happening with the app. it also kept enabling my face id so every time through the month i’d go to get on to make a payment (and couldn’t) it would also make me re log in and answer the questions, seriously irritating.

Developer Response ,

We apologize for the recent issues you've experienced with our app. Our team is actively working to address these issues, and we appreciate your patience and understanding as we investigate the matter further. If you need immediate assistance, please give us a call at 602-433-7000.

Important features don’t work, cost me money

I set up account alerts so that if my checking account gets below $150 I can transfer from savings.

But the alerts don’t work.

It will keep borrowing from the Personal Overdraft loan account, charging me transfer fees and insufficient fund fees and interest each time until my checking is bled dry and the Personal Overdraft is maxed out at $500. Then, one morning, it will send me twenty text messages all at once in rapid succession—the messages I should have been getting a week ago—to tell me my balance has been declining for a week and is now negative… and I’m now on the hook for $30 in NSF fees and $15-$20 in overdraft “protection” loan transfer fees ($5 each time).

Now, in addition to being out the NSF and ODP fees, I have to pay myself back $500 plus interest to clear the overdraft loan account when I had plenty of money in my savings to cover it all along.

What an absolutely absurd and predatory way to do business. I am 41 years old and have been with this credit union since I was 15. When I’ve tried to resolve these problems in the past they act like they’re doing me a favor “I’ll go ahead and waive these fees as a courtesy for you just this once…” No! The courteous thing to do would be to make your app do what it says it does so that I’m not losing money unnecessarily in the first place!

Developer Response ,

We are so sorry that you have been having issues with the notification system in our app. We understand that this is very frustrating and incredibly inconvenient. Please give us a call at 602-433-7000 so we can discuss this matter further.