FREE CHECKING
+ $300 BONUS

Want to score some cash2? (Hint: you do!) Open a Free Checking Account1 with us today!
Open An Account
Man_holding_card_heart_hands

Free Checking & more

When you open a Free Checking Account1 with Arizona Financial, you can count on 24/7 easy mobile banking, no monthly service fee, access to nearly 30,000 surcharge-free ATMs nationwide, and we'll even give you a $300 bonus2!
Open Now
No-Fee Checking

Free really does mean free at Arizona Financial. That's why there's no monthly service fee when you open our Free Checking Account.1

No Minimum Balance

Open your Free Checking Account today with a $20 deposit. After meeting the bonus qualifications, there's no minimum balance requirement.2 It's your money, your way.

Instant Issue Debit Cards

Experience banking that combines convenience with a personal touch! Receive your new Visa® debit card at any of our branch locations for immediate access to your account. 

Enhanced Security Features

With Card Controls in online and mobile banking you can easily switch your debit card on or off. You can also limit where and how your card is used. 

Free Checking Benefits:

  1. Built-In Security Features & Tools

    You get built-in security features and access to money management tools to help with budgeting and spending.

  2. Convenient Access

    Easily pay or send money with Zelle and access your account at 30,000 surcharge-free ATMs nationwide.

  3. Debit Cards That Do Good

    Every time you use your Local Causes debit card, we'll make a donation to help support local nonprofits!

Open Your Free Checking Account

For our $300 offer, use promo code: 300BONUS

Free Checking Benefits
ALL AZ, NO BS!

Guy-Landingpage

  1. Free Identity Protection

    You get credit monitoring, fraud reimbursement, and access to your credit report and score every 90 days.  

  2. Built-In Security Features & Tools

    You get built-in security features and access to money management tools to help with budgeting and spending.

  3. Pay With Zelle

    Easily pay or send money with Zelle and access 30,000 surcharge free ATMs nationwide.

Apply Now

Trusted local banking for Arizona families & small business since 1936.

Forbes-Blue-Logo
Ranking-AZ-logo
ab-seal-horizontal-large
Arizona Financial Credit Union Rated 5 Stars By Bauer Financial
Newsweek America's Best Credit Unions

(1) FREE CHECKING: No monthly service fees. Fees may apply for certain account services, including stop payment fees, non-sufficient funds fees, out-of-network ATM fees, and overdraft privilege services. Minimum opening deposit of $20. No minimum balance required after opening. For current fee schedule, visit ArizonaFinancial.org/Disclosures.

(2) BONUS OFFER DETAILS:

Bonus Information: To qualify for $300 bonus, you must: (1) open a Consumer Checking Account, (2) within 60 days of account opening, establish recurring direct deposit(s) with a combined total of $1,000 or more per month, and (3) have an account balance of $500 or more on the 60th day after the account is opened.

Eligibility: Must be 18 years of age or older and a brand new member with no existing primary account relationships with Arizona Financial. Current joint account owners may qualify by opening a new account as the primary member/owner. Former members may qualify as a new member if previous accounts were closed 12 or more months prior to new open date. Must meet membership eligibility requirements and present a valid promotional code at time of account opening.

Important Information: Direct deposit must be an electronic deposit of your paycheck, investment account, pension, or government benefits (such as Social Security) from your employer or government agency. Person to Person payments (such as Zelle, Venmo or PayPal) are not considered direct deposit. Bonus will be deposited to your consumer checking account approximately 75 days after account opening if all requirements are met and member is in good standing at time of payout. All bonuses are considered income and may be reported on IRS Form 1099-MISC. This promotion cannot be combined with any other offers. Limit one new member bonus per person. Business, indirect borrower, fiduciary, and voting accounts do not qualify. Terms and conditions subject to change without notice. Offer may expire at any time. 

Account Closure: If the checking account is closed by the member or Arizona Financial Credit Union within 6 months after opening, the bonus amount will be deducted from the account at closing.

Checking Account Resources

Blog Post

Best Reasons to Use a Credit Union

When it comes to managing your finances, the choice between a big bank and a local credit union can be a game-changer. Choosing the right financial institution is more than just a transaction – it's about embracing community values and reaping the rewards of personalized service. 

Read More
Blog Post

Protect yourself Against AI Fraud

Artificial intelligence (AI) is revolutionizing the way we live and work. Unfortunately, it’s also revolutionizing the way scammers take advantage of their victims. Here’s what you need to know about AI fraud and how to protect yourself. 

Read More
Blog Post

Tips to Avoid P2P Scams

In today's digital age, P2P payment platforms have become an integral part of our financial transactions. While these platforms offer convenience, they also come with risks, including the potential for fraud. Let's explore some common P2P scams you should be aware of.

Read More