Your best choice for Free Checking & Premier Checking
We offer checking account options for teens, young adults and seasoned money managers alike!
Plus, Arizona Financial has been ranked #1 in Arizona by Forbes Best-In-State Credit Unions for 2024.2
Checking Account Options
You'll find the best checking accounts with all the account essentials. Select the right one for your needs today.
Monthly service fee*
$20 minimum opening deposit
$0 Ages: 13-17
ID Protect with dark web monitoring
Ages: 18+
Early Pay Deposit
Earns dividends
Overdraft services
Ages: 18+
Premier
Checking
Our most popular checking account with all the account essentials & more!
$9 or $0
(with waivers)
Free
Checking
Everyday checking essentials & no monthly service fee.
$0
Additional Account Features
Zelle
Ages: 18+
Mobile & online banking
Mobile deposit
Bill Pay
Ages: 18+
Debit card on/off switch
Cash back debit card offers
Checking Account Options
You'll find the best checking accounts with all the account essentials. Select the right one for your needs today.
Premier
Checking
Our most popular checking account with all the account essentials & more!
Monthly service fee*
$20 minimum opening deposit
$0 Ages: 13-17
ID Protect with dark web monitoring
Ages: 18+
Early Pay Deposit
Earns dividends
Overdraft services
Ages: 18+
Zelle
Ages: 18+
Mobile & online banking
Mobile deposit
Bill Pay
Ages: 18+
Debit card on/off switch
Cash back debit card offers
$9 or $0
(with waivers)
Free
Checking
Everyday checking essentials & no monthly service fee.
Monthly service fee*
$20 minimum opening deposit
$0 Ages: 13-17
ID Protect with dark web monitoring
Ages: 18+
Early Pay Deposit
Earns dividends
Overdraft services
Ages: 18+
Zelle
Ages: 18+
Mobile & online banking
Mobile deposit
Bill Pay
Ages: 18+
Debit card on/off switch
Cash back debit card offers
$0
*No monthly service fee for Free Checking. Premier Checking monthly service fee waiver criteria: Direct deposits totaling at least $1,500 per month or $3,000 average daily checking account balance or under 25 years old. On both Premier and Free Checking, all standard fees may apply, including stop payment fees, non-sufficient funds fees, out-of-network ATM fees, and overdraft privilege services. For current fee schedule, visit ArizonaFinancial.org/Disclosures
Premier Checking Rates
Premier Checking is available for all eligible members. We also offer checking options for teens and young adults.Rate
Rate
Rate
Rate
Rate
*Annual Percentage Yield. Minimum opening deposit is $20. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.
*Annual Percentage Yield. Minimum opening deposit is $20. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.
Open Your Checking Account Now:
What You Need to
Open Your Account Today!
-
Opening Deposit
A debit or credit card to make the $20 account opening deposit.
-
Valid Identification
A valid driver's license, state ID card, or passport. We'll also verify your identity (including joint owners) as part of the account opening process.1
-
Security Questions
Information to answer and pass your unique verification questions.
Membership Eligibility
- Coconino County
- Gila County
- La Paz County
- Maricopa County
- Mohave County
- Navajo County
- Pima County
- Pinal County
- Yavapai County
- Yuma County
Opening my account was very convenient and saved me much needed time. I just went to the branch to get a debit card which was simple and quick.
Lawanda H.
Arizona Financial Member
I have a savings account that I opened for my granddaughter; therefore, we decided to open both checking and savings accounts. I love the security they have in place when it comes to opening accounts. Plus, they're local to Arizona and not other states.
Carmen H.
Arizona Financial memberChecking Account Resources
How to Enroll in Overdraft Protection
Overdraft Protection can prevent your debit card from being declined at point-of-sale transactions and can prevent you from "bouncing" checks. Setting up ODP ensures your Checking Account transactions process from the available money you have in both your checking and saving accounts.
Read MoreHow to Order a Replacement Debit Card
If you've lost your debit card, or if it's gotten worn out from use, you can easily order a replacement card. You can also conveniently pick up a replacement debit card from any of our branch locations. If you've lost your debit card, or think it might be stolen, it's important that you notify us immediately.
Read MoreDo's And Don’ts To Protect Yourself From Scams
With scams on the rise and countless scams out there – like check scams, job scams, loan scams and romance scams – here are some do's and don’ts to help you protect your accounts and information from scams and identity theft.
Read MoreChecking Account FAQs
Can I open a Checking, Savings, Certificate, or Money Market account online?
Yes, new members can open a checking account online with our online application.
Youth, Teen and Individual Retirement Accounts must be opened in a branch.
Current members:
Existing Arizona Financial members can add a Savings Account, Money Market, or Savings Certificate through online banking:
- Log in to your online account from a desktop or laptop (this form is not currently available in the mobile app)
- Click on “Additional Services” from the blue bar at the top of the page
- Select “Secure Forms” from the options provided
- Select “Open Additional Accounts”
- Fill out the form with your request and we’ll take it from there.
- The new account will be opened within 2 business days
If your banker instructed you to use our business banking options, please call us at 602-683-1000 for assistance, as this form is not currently available on the business platform.
For a more personalized touch, stop by one of our branch locations or schedule an appointment to open an account with one of our representatives.
How do I change my personal identification number (PIN) for my debit card?
To select your PIN, bring the card and your government-issued photo ID to any one of our branch locations and we’ll help you set up the PIN of your choice.
If you know the current assigned PIN, you can change it by calling 866-599-5615 and selecting the option to update the PIN. You'll need the existing PIN in order to change this.
If you only want to find out your PIN, you can either contact us or send us a secure email from within online banking and we’ll mail you a copy.
For security purposes, Arizona Financial does not have access to your PIN.
How do I order checks?
To order checks from a desktop or laptop:
- Log in to online banking
- Click on “Additional Services” from the blue bar at the top of the page. The blue bar will only appear if you're using a desktop or laptop device.
- Select “Order Checks” from the options provided
- You’ll be routed to the Harland Clarke website – this is our trusted partner for check orders
- After answering a few security questions, you’ll be able to browse through check styles, view prices, and place your order
To order checks from your mobile device through our website: (Check ordering is not currently available on our mobile app)
- Use the browser on your mobile device to visit ArizonaFinancial.org
- Select the "Menu" icon
- Select the plus sign next to "Additional Services"
- Select “Order Checks” from the options provided
- You’ll be routed to the Harland Clarke website – this is our trusted partner for check orders
- After answering a few security questions, you’ll be able to browse through check styles, view prices, and place your order
To order checks by phone through Harland Clarke:
- Call 800-355-8123
- You will need Arizona Financial's routing number: 322172797
- You’ll also need your full account number (a minimum of nine digits).
- Your account number can be found within online banking or mobile banking
When will my checks arrive?
Checks are delivered within 10 business days
How can I pay for my checks?
The cost of the checks will be withdrawn directly from your checking account within 10 business days of the order. Prices vary based on the image options selected.
How much will it cost to make a stop payment on a check?
The fee to place a stop payment is $35 per check number or for a consecutive range of check numbers. If you need assistance with a Visa transaction, please contact us and we'll be happy to assist further.
Stop payments can be placed through online banking, TouchTone 24, or by visiting any of our branch locations. (Note: TouchTone 24 is not available for business accounts)
Please make sure you have the correct check number and amount for the item you wish to place a stop payment.
Steps to place a stop payment online
- Log in to online banking
- Select “Additional Services” from the blue bar at the top of the page
- Select “Stop Payment” from the options provided
- Complete the form with the details of your item
Steps to place a stop payment through TouchTone 24 (not available for business accounts)
To place a stop payment on a check through TouchTone 24 (TT24), complete the following:
- Call our telephone banking system at 602-683-1234.
- Enter your account number and TT24 PIN (this PIN is established separately from your debit card PIN)
- Select Option 4 for Account Management
- Select Option 1 for Stop Payment Activities
- Select Stop a Payment
- Follow the prompts to find the check number.
Don’t have a TT24 PIN? Don’t worry, we can help! Simply give us a call at 602-683-1000 and we’ll be happy to help set one up for you.
ACH/electronic item stop payment
To place a stop payment on an ACH or electronic withdrawal:
- Log in to online banking
- Select “Additional Services” from the blue bar at the top of the page
- Select “Secure Forms”
- Select “ACH/Electronic Withdrawal” from the list provided.
- Follow the prompts to place the stop
Do you have Youth Accounts?
Yes! We have accounts with features that grow with your family.
- Youth Savings Accounts for ages 0-12
- Teen Accounts for ages 13-17
- Young Adult Accounts for ages 18-24
To open a Youth or Teen Account, please schedule an appointment or stop by any of our branch locations. Youth and Teen Accounts cannot be opened online.