OneAZ Credit Union

Mobile deposits for all members and remote deposit capture for business cash management users will be unavailable from 9pm February 21st through 9am February 22nd.
We apologize for the inconvenience.

Assistance for Federal Workers - In response to the partial federal government shutdown, OneAZ has launched an assistance program to help members who may be impacted.
To learn if you’re eligible for assistance, call our Member Care Center at 800.663.2928, Monday – Friday: 8 a.m. – 6 p.m.

Business Checking Accounts in Arizona

Simplify your finances with the business checking account option that's right for you.

Compare Checking Accounts

Business Checking Accounts in Arizona

Business Checking Accounts Options

Small Business
Checking1

Best for: Start-ups and small businesses

  • FREE1 business checking account
  • Simple, straightforward checking account for everyday expenses

Business
Checking2

Best for: Growing your business

  • Basic interest-bearing checking account
  • No minimum balance needed to earn dividends

Business Premium
Checking3

Best for:  Large or commercial businesses

  • Premium package for higher balances and higher number of transactions
  • No fee up to 300 transactions per month

Compare Checking Accounts

The OneAZ Advantage

OneAZ business checking accounts in Arizona offer convenience, security, and accessibility for small business accounts. With business online banking, a business debit card, merchant services, and easy ACH and wire transfers, banking fits seamlessly into your life so you can focus on growing your business.

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Open a business checking account today.

Visit your local OneAZ branch to get started.

Schedule an Appointment

 

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Small Business
Checking

business icon

Business
Checking

business premium icon

Business Premium Checking
Minimum Opening
Deposit		 $100 $100 $100
Monthly
Maintenance Fee		 $0 $10 $25
How to
Avoid Monthly Fee		 This is a FREE account if you maintain yearly activity. You're subject to a $5 monthly fee after 12 months of inactivity.

Maintain monthly average deposit balance of $5,000 
or more in checking account

— OR —

Maintain average combined aggregate business deposit balance of $25,000 or more

Maintain monthly average deposit balance of $25,000 
or more in checking account

— OR —

Maintain average combined aggregate business deposit balance of $100,000 or more
Cash Deposit
Limits & Fees

Up to $5,000 per month

$0.30 fee per $100 cash deposited over $5,000

Up to $5,000 per month

$0.30 fee per $100 cash deposited over $5,000

Up to $5,000 per month

$0.30 fee per $100 cash deposited over $5,000
Transaction
Limits & Fees

No fee up to 
30 transactions per month

$0.10 fee per transaction 
over 30 per month

No fee up to 
150 transactions per month

$0.10 fee per transaction 
over 150 per month

No fee up to 
300 transactions per month

$0.10 fee per transaction 
over 300 per month
Dividends

Does not earn dividends

*$2 statement fee waived with electronic statements.

No minimum balance needed 
to earn dividends.

See current dividend rates.

Earn greater dividends on balances 
over $2,500.

See current dividend rates.
Small Business Checking

Small Business Checking

  • Minimum Opening Deposit
    $100
  • Monthly Maintenance Fee
    $0
  • How to Avoid Monthly Fee
    This is a FREE account if you maintain yearly activity. You’re subject to a $5 monthly fee after 12 months of inactivity.
  • Cash Deposit Limits & Fees
    Up to $5,000 per month
    $0.30 fee per $100 cash deposited over $5,000
  • Transaction Limits & Fees
    30 free transactions per month
    $0.10 per transaction over 30
  • Dividends
    Does not earn dividends
    *$2 statement fee waived with electronic statements.
Business Checking

Business Checking

  • Minimum Opening Deposit
    $100
  • Monthly Maintenance Fee
    $10
  • How to Avoid Monthly Fee
    Maintain monthly average deposit balance of $5,000 or more
    — OR —
    Maintain average combined aggregate business deposit balance of $25,000 or more
  • Cash Deposit Limits & Fees
    Up to $5,000 per month
    $0.30 fee per $100 cash deposited over $5,000
  • Transaction Limits & Fees
    No fee up to 150 transactions per month
    $0.10 fee per transaction over 150
  • Dividends
    No minimum balance needed to earn dividends.
    See current dividend rates.
Business Premium Checking

Business Premium Checking

  • Minimum Opening Deposit
    $100
  • Monthly Maintenance Fee
    $25
  • How to Avoid Monthly Fee
    Maintain monthly average deposit balance of $25,000 or more
    — OR —
    Maintain average combined aggregate business deposit balance of $100,000 or more
  • Cash Deposit Limits & Fees
    Up to $5,000 per month
    $0.30 fee per $100 cash deposited over $5,000
  • Transaction Limits & Fees
    No fee up to 300 transactions per month
    $0.10 fee per transaction over 300
  • Dividends
    Earn greater dividends on balances over $2,500.
    See current dividend rates.

Your Local Experts

Caprice Daniels
Chris Goodwin
Bob Morenzoni
Alexander Montoy
Brandon Mello
Christy Manning
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Get started with a OneAZ Business Checking account today!

Want to learn more about our business checking account options? Complete the form below to connect with your local OneAZ business banker.

Fuel your growth with OneAZ’s financial solutions.

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Merchant Services:

Seamless Payment Solutions

Simplify your business finances with customized payment processing solutions.

Learn More

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Business Savings:

Earn More for Your Money

Save like a boss with our business savings options.

Learn More

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Business Credit Card:

Let's Reward Hard Work

Earn cash back for all your business purchases with OneAZ Business Cash Rewards.

Learn More

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1Small Business Checking Account Disclosure: Minimum balance to open is $100. No dividends are paid on this account. First 30 transactions at no fee; After 30, a $0.10 fee per transaction will apply. No transaction limitations apply to this account. For more information, refer to the Commercial Account Agreement Disclosures and the Business Fee Schedule.
1Business Checking Account Disclosure: Minimum balance to open is $100. In order to avoid a fee you must maintain an average monthly balance equal to or greater than $5,000 or an aggregate balance of $25,000 (the sum of all your deposit accounts for the dividend period). This account is a tiered variable rate. For current dividend rate and corresponding APY refer to the Business Fee Schedule. First 150 transactions at no fee; After 150, a $0.10 fee per transaction will apply. No transaction limitations apply to this account. For more information, refer to the Commercial Account Agreement Disclosures and the Business Fee Schedule.
1Business Premium Checking Account Disclosure: Minimum balance to open is $100. In order to avoid a fee you must maintain an average monthly balance equal to or greater than $25,000 or an aggregate balance of $100,000 (the sum of all your deposit accounts for the dividend period). This account is a tiered variable rate. For current dividend rate and corresponding APY refer to the Business Fee Schedule. In order to earn APY you must maintain a average daily balance during each dividend period that is at least equal to or greater than $2,500. First 300 transactions at no fee; After 300, a $0.10 fee per transaction will apply. No transaction limitations apply to this account. For more information, refer to the Commercial Account Agreement Disclosures and the Business Fee Schedule.
OneAZ's mission

We exist to clear the way for the doers and the dreamers.

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