Local Arizona Banking Done Right

Bank Like You Live Here

You shop local. You eat local. Why not bank local and keep your money working right here at home? Open a Free Checking2 account built for Arizonans by Arizonans. Experience banking that reflects your values and your community.

Plus, earn a $200 bonus1 when you join.

 

Open My Account

Get a $200 bonus1 when you join

When you bank with a local credit union, your money doesn’t disappear into corporate profits. It stays here, funding local loans, strengthening neighborhoods, and supporting the businesses you love.

As part of our commitment to helping Arizonans bank better, you can earn a $200 bonus1 when you open your new checking account.

Use promo code: LOCAL200. That’s banking like you live here. 

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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.

Request Sponsorship

Resource Center

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Skip a Payment

Free up some cash anytime of year! You may be able to skip your loan or credit card payment one time every 12 months.

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Money Management Tool

Consider the tool your free, personal financial management guide that makes it easy to take control of your finances.

Check it out
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Treasury Management

Arizona Financial offers an expanded suite of business services to enhance and simplify your operations.

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Calculator

How Long Before I Pay Off My Credit Cards?

Determine the amount of time it will take to pay off your credit card balance based on your monthly payment.

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eBooks & Checklists

Money Talks Guide

Our FREE Money Talks Guide can help you introduce basic financial topics to kids no matter their age.

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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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Why Choose Arizona Financial?

No Fee-2

No Fees, No Monthly Minimums

Skip unnecessary monthly service fees and balance requirements. More of your money stays in your account, where it belongs, not going toward charges just for maintaining it. 

Keep Your Money In Your Community-01

Keep Your Money in Your Community

Join the 2.7 million Arizonans who already bank at credit unions, helping to keep jobs and cash local. Your membership gives back to Arizona nonprofits, not stock buy backs. Over a million dollars since 2018. 

You Should Get a Say in How You Bank

You Should Get a Say in How You Bank

Big banks answer to shareholders. We answer to you. As a not‑for‑profit, member‑owned credit union, your voice helps shape decisions that benefit the community.   

Deposit Checks From Your Phone

Deposit Checks from Your Phone

Payday shouldn’t mean standing in line. Deposit checks from anywhere using our secure mobile app. 

Sending Money is Easier Than Ever With Zelle

Sending Money is Easier Than Ever with Zelle®

You can send money to friends, family, and others you trust using only a phone number or email.  

Access 30,000 Free ATMs

Access 30,000 Free ATMs

Grab cash on your schedule with no surcharge fees at 30,000+ participating ATM locations across the country. 

More Local Perks Built In

  • Track your spending – Budget confidently with in-app money management tools.
  • Send money easily with Zelle® – Pay friends, support small vendors, and split dinner with friends instantly.
  • Earn local cash back – Get rewards when you add cash back offers at participating businesses.  
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What You Need to
Apply Online Today!

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  1. Opening Deposit

    A debit card or ACH payment 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 LOCAL200 when opening the account to get up to $2001.

Open My Account

Get a Free Checking Account

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Don't forget to use promo code LOCAL200 to get up to $2001.

(1) Bonus Offer Information: 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 $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 may qualify for a lesser bonus amount with the following criteria:

  • To qualify for $150 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. Bonus will be deposited on the 60th day if eligible. 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.

For current fee schedule, visit ArizonaFinancial.org/Disclosures..

(2) FREE CHECKING: No monthly service fees. Fees may apply for certain account services, including paper statement fees, 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.