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Not a member yet?
There’s plenty of time to qualify for the 2026 Member Giveback Bonus, and becoming a member is the first step! Join below and start earning Relationship Rewards points.
What is Member Giveback Bonus?
Member Giveback Bonus is an annual cash reward for members who do more with us.1 It’s one of the benefits of Relationship Rewards, a free program you’re automatically enrolled in when you join Desert Financial. You earn points for doing various banking activities with us – and every point can help you level up!
How it works
FAQs about the Member Giveback Bonus
Are joint account owners eligible for the bonus?
Joint account holders are not eligible to receive a Member Giveback Bonus. When an account has multiple owners, only the primary account owner is eligible to receive the bonus in their savings account.
When will I receive my bonus?
In 2025, members who were eligible for the bonus received their cash reward by Feb. 1. Look for your Member Giveback Bonus by logging in to Online Banking and checking your Membership Savings account.
Does everyone receive the same bonus amount?
A member’s bonus is based on their relationship with us. To show you how this works, below are a few examples of members who received a past Member Giveback Bonus and the amounts that they received:
Isabella - Received a $53 bonus
$11,000 deposit balance | 725 debit card transactions (~60 per month)
Isaac - Received a $200 bonus
$15,000 deposit balance | 2 auto loans | 925 debit card transactions (~77 per month)
Tamika - Received a $400 bonus
$1,800 deposit balance | 455 debit card transactions (~38 per month) | Auto loan | Home Equity Line of Credit | Mortgage loan
How do I increase my bonus?
To potentially increase the amount of cash you get back, you can do more of your banking with Desert Financial. For example:
- Use your Desert Financial debit card more frequently.
- Refinance your existing loans at other financial institutions with Desert Financial.
- Increase your deposit balances at Desert Financial.
Looking for more ways to maximize your relationship with Desert Financial? Learn more about our Relationship Rewards program.
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For further information regarding the Relationship Rewards program and eligibility of the Member Giveback Bonus, please see the Relationship Rewards Disclosure – Supplement to the Statements of Terms, Conditions and Disclosures.