Free means free.

Apply online in as few as five minutes!

New Members Existing Members

Free Checking

Free Checking with OneAZ means NO hidden fees and NO minimum balance. Free means free—really!

  • NO monthly maintenance fees
  • NO minimum balance
  • Free mobile banking
  • Simple, secure digital banking options
  • 400+ surcharge-free ATMs in Arizona

Get Free Checking today!

Free Mobile Banking

Free Mobile
Banking

Digital Banking Options

Digital Banking
Options

400+ Surcharge-Free ATMs

400+ Surcharge-
Free ATMs

No Minimum Balance

No Minimum
Balance

No Monthly Maintenance Fees

No Monthly
Maintenance Fees

Call

 

Click

Open an account online!

New Members Existing Members

Call

Call

Call our team and get set up!

800.453.9897

Visit a Branch

Visit

Stop by one of our branches today!

Find a Branch

Free Means Free.

OneAZ Mobile Banking app - Spending Analysis
Data rates apply.

Next Level Banking

Now your bank is as mobile as you are.

  • Set Travel Notices
  • Card Controls
  • Financial Goal Setting
  • Seamless on All Devices
  • Alerts
  • Check Ordering
Compatible with:
Compatible with Apple Pay, Google Pay, Samsung Pay

Looking for more?

Want a checking account that packs some serious power? Benefits Checking includes loan discounts and perks that protect you!

Learn More

Find an ATM

With your OneAZ Visa® Debit Card, you have access to 470 CULIANCE Network ATMs in Arizona and 41,343 across the nation.

Find an ATM

Visit a Branch

Visit one of our 20 branches across Arizona to open a new account, apply for a loan or credit card, and more. We recommend scheduling an appointment prior to your visit!

Schedule an Appointment

What Does It Mean to be a OneAZ Member?

Glad you asked! As a OneAZ member, you’re putting your money—and your trust—in an organization that offers personalized service, competitive loan rates and a community focus. We’ve been helping Arizonans like you reach their financial goals since 1951, and we’re ready to work with you, too. After all, together, Arizona moves forward.

  • You own a share. As a member, you own a share in OneAZ Credit Union—that means we answer to you, not stockholders. Plus, you have a say in who serves on our Board of Directors, who make decisions in members’ best interests.
  • You’re giving back to the community. The OneAZ Community Foundation, funded by OneAZ Credit Union members, has given over $1.5 million to nonprofits and community members.
  • You benefit from profits. We’re not-for-profit, so our earnings are returned to members in the form of better rates, lower fees and technology that makes it easier for you to manage your money.
  • You are part of our mission. OneAZ’s mission is about improving the lives of our members, associates and the communities we serve. For membership eligibility, click here.

How to Open a Checking Account

You’ve done the research, made your selection and now it’s time to open your new checking account. Here’s everything you need to know.

Keep Reading

5 Ways to Keep Your Money Local

Supporting Arizona businesses and organizations means your money stays local. Here are a few easy ways to keep more of your money in Arizona.

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Member Stories: Lady La of Mahalo Made

In 2017, Lady La had a vision of spreading gratitude throughout the Valley of the Sun with uniquely handcrafted shave ice. “Mahalo is an expression of gratitude,” says La.

Keep Reading

Insured by NCUA

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.

1 Data rates apply.