The perfect
Teen Checking Account

Help your teen begin to build their financial knowledge with our easy-to-open and easy-to-use Teen Checking Account or Young Adult Checking Account.

Apply Now

Teen & Young Adult Checking Account Rates

The Arizona Financial Teen Checking Account is available for members ages 13-17. We also offer our Young Adult Checking Account for members ages 18-20 years old.
Minimum to Earn APY
Dividend
Rate
APY*
Minimum to Earn APY
$25
Dividend
Rate
0.06%
APY*
0.06%
Minimum to Earn APY
$1,000
Dividend
Rate
0.10%
APY*
0.10%
Minimum to Earn APY
$10,000
Dividend
Rate
0.12%
APY*
0.12%
Minimum to Earn APY
$25,000
Dividend
Rate
0.15%
APY*
0.15%
Effective May 1, 2024

*Annual Percentage Yield. Minimum opening deposit is $0. 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 $0. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

Start Your
Teen Checking Application:
Kid smiling and playing soccer in backyard

Our Teen Checking
Account Has It All!

Building good financial spending habits is critical to long-term financial success. Start teaching your kids how to manage money early with our Teen Checking Account. 
Get Started
No Fees or Minimum Balance

Our Teen Checking requires no minimum balance and there's no monthly fee!

Great for Teenagers

Designed for members ages 13-17 years old to help start their financial journey early.

Instant Issue Debit Cards

Your teen will receive their Visa® Debit Card immediately at any branch location for faster access to their account.

Watch Their Money Grow

Our Teen Checking Account pays monthly dividends on balances of $25 or more. 

Our Checking Accounts Grow With Your Teen

We also offer a Young Adult Checking Account, for young adults 18-20 years old! With the Young Adult Checking Account, there's no minimum balance requirement or monthly fee. 

  • Free online banking
  • Free mobile banking with mobile deposit
  • 30,000+ surcharge-free ATMs
  • Exclusive Visa® debit card
  • Cash Back debit card offers through Purchase Rewards
  • CardPower™ mobile app – an on/off switch for your debit card
  • Monthly dividends paid on balances of $25 or more
3 teens smiling, walking, and looking at their phones

Grab a debit or credit card to make a $20 deposit, a Valid driver's license, state ID card, or passport and you'll be ready to open our account today!

Get Started
teenage girl with mobile phone smiling

Protect Yourself With CardPower

Our CardPowerTM App provides another layer of protection for your Checking Account. Use it to remotely turn your debit card on or off or block where and how your card can be used. The CardPowerTM App is available for Android and Apple devices. 

Learn More

Open Your Teen Checking Account
in 3 Easy Steps

Kid and teen playing basketball

  1. Identification

    You'll need a school ID or driver's license. A opening deposit is recommended but not required. Parent/joint owner is not required.

  2. Visit a Branch

    Stop into a branch location or schedule an appointment to fill out the final paperwork.

  3. Receive Your Debit Card

    Our instant issue Visa® Debit Card service will make it easier than ever for your teen to access their account. 

Get Started

Checking Account Resources

Link

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 More
Link

How 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 More
Blog Post

Do'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 More

Checking 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 will need the existing PIN in order to change it.

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 from our site ArizonaFinancial.org  
  • 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 you. 

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 on. 

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 and we’ll be happy to help establish one for you.

ACH/electronic item stop payment

To place a stop payment on an ACH or electronic withdrawal, complete the following:

  • 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 and Teen Savings Accounts?

Yes! We have offer Youth and Teen Savings Accounts and Certificates (CDs). 

Visit our Youth Accounts page to learn more about what each account has to offer!

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.

Routing # 322172797

Arizona Financial’s website may provide links to third party sites, independent from Arizona Financial Credit Union. These links are provided only as a convenience and do not constitute an official endorsement of the website or application. Arizona Financial does not manage the operation or content of these third-party websites or applications. The privacy and security policies of the websites or applications may differ from those of Arizona Financial Credit Union.


Arizona Financial Credit Union is committed to making our products and services accessible to all of our members. Your experience is important to us. We strive to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our website, please call us at 602-683-1000 so that we may promptly assist you in getting the information you need in a method that is accessible to you.

Important Notices for website users: Please take note that we track user communications, their digital method of communicating, and whether the user clicked on content after using the general search feature or chatbot. This information may be disclosed to others in accordance with our privacy policy. Also, online banking users accessing our secure site with confidential information is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators may be prosecuted to the fullest extent of the law.

 

©2024 Arizona Financial Credit Union