Second Chance Checking from Azpire

A Fresh Start for Your Finances

Had a bank account shut down or rejected? That doesn’t have to stop you from moving forward. Azpire gives you a second chance with tools that make banking easier.

Second Chance Checking lets you use your phone to check your account, manage your card, and keep an eye on your money. It makes everyday banking simple and gives you more control over where your money goes.

Open today and we'll give you up to $3001 bonus! Make sure to use promo code AZPIRE.

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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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What Is Second Chance Checking?

Second chance checking helps you get back on track after missed payments, overdrafts, or a closed account. You get a real bank account with no monthly fees and fewer barriers.

You get everything you need, like bill pay, mobile check deposits, debit card access, and direct deposit, all in one place.

Azpire gives you tools and support to manage your money and move forward with confidence.

Why Choose Second Chance Checking with Azpire

no-fee

No Fees and No Minimum Balance

Skip monthly service fees2 and avoid balance requirements. Stay in control of your money with clear terms and no surprises to worry about.

mobile-check-deposit

Deposit Checks from Your Phone

Use the app to deposit checks by taking a photo. Complete the process from home, work, or any location with mobile access.3

bill-pay

Pay Bills on Time

Set up one-time or recurring bill payments for rent, utilities, and more. Avoid mailing checks or paying extra fees for money orders.

bank-anywhere

Bank from Anywhere

Access your account anytime with your phone or computer. Check your balance, send payments, transfer funds, and manage your money on your schedule.

atms

Access 30,000 Free ATMs

Withdraw cash with no ATM surcharge fees at over 30,000 locations nationwide. Use your app to find the closest participating ATM anytime.

card-controls

Control Your Card in the App

Use the mobile app to lock your card when it goes missing and unlock it right away once you find it. Manage card access instantly with just a few taps in the app.

Tools to Help You Succeed

  • Money Management App – See all your accounts in one place, track your spending, and build a budget that helps you stay on track.
  • Direct Deposit2 – Have your paycheck sent straight to your account. Skip long lines and avoid fees from check-cashing services.
  • Financial Education – Watch short videos and read easy tips that break down how to save, spend, and manage money without any confusing language.
  • Send Money with Zelle – Use Zelle in the app to send or receive money fast. It works with most major banks and helps you split bills or pay friends with no extra fees.
  • Cash Back with Your Debit Card – Earn real cash back automatically when you shop at participating stores. No sign-ups or coupons required.
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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 $3001

Skip the Expensive Workarounds

If you don’t have a checking account, you might have to rely on check-cashing stores or money orders. Why spend money for something you can have for free with Azpire?

Azpire helps you avoid those unnecessary fees. You gain access to secure, flexible banking tools that keep your money within reach.

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What to Look for in a Second Chance Account

Not every account helps you move forward. Here’s what to ask when you compare your options:

Does it charge monthly fees or require a minimum balance?

Some banks take money just to keep your account open. Prepaid cards add fees when you load or don’t use them. Azpire lets you bank with no monthly fees and no balance rules.

Can you access your money easily?

Apps like Cash App and Venmo let you send money, but they don't give you full banking features or free ATMs. Azpire gives you mobile access and connects you to over 30,000 ATMs across the country.

Does it help you manage your money?

Starbucks cards and digital wallets don’t give you real budgeting tools. Azpire helps you track your spending and build better habits right in the app.

Can you talk to a real person when you need help?
Many apps rely on bots or slow email support. Azpire lets you call or visit a branch to get answers fast. 

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 Second Chance Checking Account

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Second Chance Checking FAQs

Who is Second Chance Checking for?

Anyone who has dealt with banking challenges like unpaid fees or account closures can use this account to start fresh and stay in control.

Does this account help build credit?

Not directly. It does not affect your credit score, but using it responsibly shows banks you can manage money well. That can lead to better account options in the future.

Are there monthly fees or balance requirements?

No. Azpire has no monthly service 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) 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.

(2) 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..

(3) To qualify for mobile deposit, you must:

  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.