Let’s keep it simple. OneAZ Free Checking
Enjoy your everyday spending account without worrying about maintenance fees, minimum balances, or jumping through hoops to access your money.
Say goodbye to fees. Say hello to hassle-free banking.
OneAZ Free Checking offers convenience, security and accessibility, so banking can fit seamlessly into your life. Plus, no fees means more money in your pocket.
Your Money is YOURS
Your Money is YOURS
- No monthly maintenance fees
- No hidden fees
- No minimum balance
Bank from Anywhere
Bank from Anywhere
- Convenient mobile and online banking
- 41,000+ fee-free ATMs across the U.S.
- Add your debit card to your digital wallet
Secure Banking
Secure Banking
- Simple and secure 24/7 digital banking
- NCUA insurance up to $250,000 per individual
Move Money Easily
Move Money Easily
- Send and receive money with Zelle
Start the Weekend Early with Early Pay*
Start the Weekend Early with Early Pay*
- Get paid up to 2 days early when you set up direct deposit
Do it all with the OneAZ Mobile Banking app.
Deposit checks
Transfer funds
Pay your bills
Chat with an associate
Locate an ATM
Pay securely with your digital wallet.
Forgot your wallet? No problem! Add your OneAZ debit card to your digital wallet and pay for your coffee, groceries, gas, or pretty much anything.
Apple Pay™
Google Pay™
Samsung Pay™
Find an ATM or branch near you
OneAZ Members have access to 20 branches statewide and over 41,000 fee-free ATMs across the nation, including 470 right here in Arizona!
Free Checking FAQs
Open your account online now with just a few clicks. If you’d prefer to talk to us, our Virtual Team will help you get set up at 800.453.9897, or you can visit one of our 20 branches across the state to open your account in person.
There is no monthly service fee associated with OneAZ Free Checking.
Many employers have payroll systems that allow you to enter your deposit information directly into their software. Once your deposit information is accepted by your employer, it may take up to two payroll cycles to see direct deposit take effect.
For questions about direct deposit, please schedule an appointment with a personal banker at your local branch or contact our Member Care Center.
In Online Banking, select the OneAZ account you would like to order checks for from the left pane. Select Order Checks. Choose the style you like, and your account information will pre-populate. You will have an opportunity to view an image of your checks along with the price before checking out.
Add the checks to your cart then click on your shopping cart to proceed with check out. The purchase is deducted from your OneAZ checking account.
For assistance with ordering checks, please schedule an appointment with a personal banker at your local OneAZ branch or contact our Member Care Center.
If you recently changed your address, you will need to contact us for assistance with the order.
Overdraft Source allows you to pull funds from another account at OneAZ when your checking account does not have enough funds to complete a transaction. You can link a Savings, Personal Line of Credit, or Home Equity Line of Credit to your checking account.
When funds are not available in your checking account, OneAZ will use funds from the Overdraft Source. If funds are available in the Overdraft Source, OneAZ will complete the payment.
Get the most out of your checking account with our Financial Resources Guide.
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Keep ReadingDisclosures
Checking is free; however, fees incurred—such as a stop payment or NSF fee—will apply. For complete terms and conditions, refer to the published Membership Account Agreement and Schedule of Fees and Charges.
* Early Pay is a service offered to you (the Member) if you are a consumer (not a business) who has a checking account with the Credit Union and receive your paycheck through direct deposit. You may be automatically enrolled in Early Pay after 2-3 pay periods. The Credit Union will make your payroll funds available as soon as your verified employer/payor notifies the Credit Union of the payment, which can be 1-2 days before most financial institutions make the funds available. If there is a weekend or bank holiday, Early Pay will post on the next business day after the weekend or bank holiday. Employers/payors must be verified by the Credit Union. If they cannot be verified, the Credit Union will not make the payment available early. You will receive a notification of the payment and the available funds will be indicated in online or mobile banking.
If funds from a paycheck are not available early to you, it may be due to one of the following: (i) You do not have a consumer checking account (you only have a savings or business account with the Credit Union), (ii) You did not sign up for direct deposit, (iii) It has not been 1-2 pay periods, which is needed for the Early Pay service to begin, (iv) Direct deposits are not made in your name or in the name of a signee on your checking account, (v) We cannot verify your employer/payor, (vi) Your employer/payor did not notify us of the deposit 1-2 days early.
You agree the Credit Union may reverse any funds deposit transaction to your account that is made in error.
Insured by NCUA