No Fee Checking from Azpire

Bank Smarter. Keep More of Your Money.

Azpire No Fee Checking1 gives you full access to your money with zero monthly fee and no balance requirements. Simple, smart banking with everything you need and nothing you don’t.

Open today and we'll give you up to $3002 bonus! Make sure to use promo code AZPIRE.

Download Guide
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Sponsorship Opportunities

Arizona Financial Foundation is proud to enrich the community through ongoing investments, partnerships and philanthropic commitments. If your nonprofit organization supports one of our four pillars, we may be able to help.

To be considered for a donation from the Arizona Financial Community Fund, please learn more about our sponsorship program and submit a sponsorship request.

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Business Online Banking

Banking at your fingertips and on your schedule, wherever your day may take you.

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Everything You Need,
Nothing You Don’t

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No Fees or Minimums

Keep more of your money with no monthly fees or balance requirements.

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Mobile Check Deposit

Snap a pic in the app to deposit checks anytime, anywhere.3

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Bill Pay Made Easy

Pay rent and bills straight from your account, no stamps or money orders.

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Bank Anywhere

Manage your account from your phone or computer, day or night.

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30,000+ Free ATMs

Withdraw cash with zero ATM surcharge fees at over 30,000 locations nationwide.

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Card Controls in the App

Lock or unlock your debit card instantly with just a tap.

More Built-In Benefits

  • Track Your Spending – Stay on budget with an easy-to-use money management features in the app.
  • Get Paid Fast – Use direct deposit and skip check cashing fees.
  • Send Money Free – Use Zelle to split bills and pay friends.
  • Earn Cash Back – Get real rewards when you shop at participating stores.
  • Learn As You Go – Quick tips and tools to help you manage your money smarter.
No Fee Checking Module 1

What You Need to
Apply Online Today!

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  1. Opening Deposit

    A debit or credit card to make the $20 account opening deposit.

  2. Valid Identification

    A valid driver's license, state ID card, or passport. This just helps us confirm your identity and anyone else on the account when you open it.

  3. Security Questions

    Details to help you get through your verification questions.

  4. Promo Code

    Make sure to use promo code AZPIRE when opening the account to get up to $3002.

Open Online

Open your account from anywhere. It only takes a few minutes.

Visit a Branch

Swing by one of our branches. Our staff will help you get your account set up.

Have Questions?

Give us a call. We’re here to help make things easy.

Open Your No Fee Checking Now

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Frequently Asked Questions

Are there monthly fees or balance requirements?

No. Azpire has no monthly fees and no minimum balance. Keep more of your money and avoid extra charges.

Can I use this account for direct deposit and paying bills?

Yes. You can get your paycheck through direct deposit and pay bills online or through the app. No need for money orders or mailed checks.

What do I need to open an Azpire account?

All you need is a valid ID, a debit or credit card for the $20 opening deposit, and answers to a few security questions.

What happens if I keep my account in good standing?

You could qualify for an upgrade. That means more features like early paydays and extra protection with Premier Checking.

(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 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
  3. Have an account balance of $500 or more on the 60th day after the account is opened.

You can qualify for a lesser bonus amount with the following criteria:

  • To qualify for $200 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 $500 or more per month OR establish recurring direct deposit(s) with a combined total of $250 or more per month along with 15 debit card transactions, and (3) have an account balance of $250 or more on the 60th day after the account is opened.
  • To qualify for $100 Bonus, you must (1) open a Consumer Checking Account and (2) within 60 days of account opening, complete 15 debit card transactions

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.

(3) To qualify for mobile deposit:

  1. Account open at least 90 days (contact us for exceptions)
  2. Deposits made to account totaling $250 or more within last 30 days or $500+ on deposit in account
  3. Valid address, phone number and SSN/TIN on file. Specialty accounts (court-ordered, rep payee, etc.) do not qualify. Other conditions and restrictions may apply.