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Debit Cards

Debit Cards

To activate and create a PIN for your debit card, please call the Activation Line at 866.985.2273 from the telephone number you have on file with OneAZ.

To obtain a new debit card, request an appointment online to meet with a personal banker at your local OneAZ branch. Your personal banker can print a new debit card for you while you are in the branch. You may also order a debit card from our Member Care Center. Cards ordered through our Member Care Center may take 7-10 business days to arrive by mail.

Watch this video to learn how to use Debit Rewards.

If you are unsure whether you are a victim of fraud or experiencing a charge error, review the information below:

Charge Error

You recognize the transaction, but it appears to be incorrect. Some examples of charge errors are:

  • A recurring transaction or trial subscription you canceled
  • A product or service you never received or received late
  • A one-time purchase you returned or canceled, and you still haven’t received a credit
  • A charge higher than the amount on your receipt
  • A product or service you received and are dissatisfied with
  • Your card was charged even though you used cash or a different card
  • The same card was charged more than once for the same transaction

Fraud

A fraudulent transaction is one that wasn't made by you or anyone authorized to use your account. Before you report a fraudulent transaction, think back to ensure that you haven’t allowed someone to use your card. Review the transaction details, and keep in mind that some merchants use a different name or address for billing purposes.

Before taking action to file a dispute, review the details of the charge. If the charge looks incorrect, contact the merchant first. Merchants can resolve charge errors within a few days, whereas it can sometimes take financial institutions weeks to resolve. If the merchant is unable to resolve the charge error, OneAZ can investigate on your behalf.

If you file a debit card dispute, you will be asked to provide details about the transaction. The more details you provide, the faster your dispute may be resolved. Investigating a dispute may take 30 to 90 days. Provisional credits for disputes can take up to 10 business days to be processed.

To begin a debit card dispute, please request an appointment online to meet with a personal banker at your local OneAZ branch or call our Card Services team at 800.611.5006.

Credit Cards

Credit Cards

To activate your credit card, please call 800.527.7728 from the telephone number you have on file with OneAZ.

To create a PIN for your credit card, please call PIN NOW at 888.886.0083 from the telephone number you have on file with OneAZ.

To order a new credit card, please call 800.449.7728. Credit cards may take 7-10 business days to arrive by mail.

If you believe fraud has been detected on your credit card, report the activity to the number on the back of your card immediately. Our team of fraud experts will walk you through the steps needed to file a fraud dispute, then assign your case to a fraud specialist for review.

Before taking action to file a dispute, review the details of the charge. If the charge looks incorrect, contact the merchant first. Merchants can resolve charge errors within a few days, whereas it can sometimes take financial institutions weeks to resolve. If the merchant is unable to resolve the charge error, OneAZ can investigate on your behalf.

If you file a credit card dispute, you will be asked to provide details about the transaction. The more details you provide, the quicker your dispute may be resolved. Investigating a dispute may take 30 to 90 days. Provisional credits for disputes can take up to 10 business days to be processed.

If you would like to begin a credit card dispute, please call us at 800.449.7728.

Watch this video to learn how to use Credit Rewards.

If you would like to add a joint owner to your OneAZ Visa credit card, they will need to complete an application and become a member with OneAZ Credit Union.

Please request an appointment online to meet with a personal banker at your local OneAZ branch or on your computer, phone or tablet. You may also apply online or over the phone with our eTeam. Once your online application is reviewed and processed, an account opening specialist will call to finalize account setup.

To add an authorized user to your OneAZ Visa credit card, please request an appointment online to meet with a personal banker at your local OneAZ branch or on your computer, phone or tablet. You may also call our eTeam at 844.262.6805 for assistance.

To complete a balance transfer, please contact our Member Care Center. They will document and submit your request for a balance transfer and ensure that the request is completed.

You can set up automatic payments for your OneAZ Visa credit card with a checking account from any financial institution. Savings account cannot be used for credit card payments.

Download the VISA Automatic Payment Application Form and mail the completed form to the address shown on the document. Our Card Services team will process the form upon receipt.

If you would like assistance with completing the form, please contact our Member Care Center or request an appointment online to meet with a personal banker at your local OneAZ branch or on your computer, phone or tablet.

You can find your credit card details, such as payment amount, payment due date and interest rate, on your monthly statement and within Online Banking.

Once you’re signed in to Online Banking, click on the link next to your credit card’s account information. This will take you to an external site where your credit card details are managed.

There are multiple ways to make a payment on your OneAZ credit card.

  • In-person: Visit your local OneAZ branch and work with a teller to make your payment.
  • Online Banking: Once you're signed in to Online Banking, click on the link next to your credit card’s account information. This will take you to an external site where your credit card details are managed. On the credit card page, you can use an external payment method to make a payment. Please allow 2-3 days for these payments to be processed.
  • Call Us: If you have the funds available in a OneAZ account, you can contact our Member Care Center at 844.663.2928 and ask them to apply these funds toward your credit card balance.

If you call the number on the back of your credit card, a $5.00 fee will be assessed to make a payment. Please call our Member Care Center Monday – Friday, 8 a.m. – 6 p.m. to avoid this fee.

If fraud is detected on your credit card by the OneAZ Falcon team, we will call you to verify activity within 24-48 hours. If there is no answer, we will leave a voicemail asking you to return our call.

If your card has been blocked due to suspected fraud, please call us at 888.918.7313 at your earliest convenience.

You cannot switch from one OneAZ Visa credit card to another. A new application must be completed and submitted for each OneAZ credit card.

Please request an appointment online to meet with a personal banker at your local OneAZ branch or on your computer, phone or tablet. You may also apply online or over the phone with our eTeam. Once your online application is reviewed and processed, an account opening specialist will call to finalize account setup.

OneAZ completes a review every six months to determine if you qualify for an increase. If you qualify, OneAZ will automatically apply the increase. If you would like for one of our associates to complete a manual review, please contact our Member Care Center or request an appointment online to meet with a personal banker at your local OneAZ branch or on your computer, phone or tablet.

For help with your credit card, contact our Member Care Center at 844.663.2928 Monday – Friday, 8 a.m. – 6 p.m. If you need assistance outside of these hours, please call our support team at 866.820.5806.

You can complete a cash advance with your credit card at any financial institution that accepts VISA. You may also complete a cash advance at any ATM. There is a fee associated with this service; please refer to the fee schedule provided by Visa upon account opening.

If you would like to add insurance protection to your credit card, contact our Member Care Center at 844.663.2928. Our team will walk you through the information needed to submit a request.

Yes, you can use your Visa credit card outside of the United States. There is a 1% fee on international transactions.

OneAZ recommends placing a travel notification on file before traveling abroad. This helps our team make more informed decisions around potential fraud. Please call our Member Care Center at 844.663.2928 to file a travel notification.

My Account

My Account

A checking account is considered inactive after five months of no activity. A savings account is considered inactive after six months of no activity. Inactivity is defined as no monetary activity other than posting dividends. To avoid becoming inactive, we suggest performing at least one transaction (deposit or withdrawal) every few months for seldom-used accounts. A monthly inactivity fee is assessed to inactive accounts.

A dormant account is an account that has seen no activity for 12 consecutive months. Monthly inactivity fees may be applied to dormant accounts. To avoid becoming dormant, we recommend performing at least one transaction (deposit or withdrawal) every few months for seldom-used accounts.

Once an account goes dormant, a notice is sent to the address on file referencing a deadline for account reactivation. If steps are not taken to reactivate the account by the date referenced, OneAZ is legally required to escheat, or turn over, the funds to your state of residence. Once an account’s funds have been escheated to the state, the money can be recovered by contacting your state’s Department of Revenue.

To add or remove a joint owner, please request an appointment with a personal banker at your local OneAZ branch.

To add a joint account owner, the joint person will need to provide a valid government-issued photo identification and Social Security Number, and authorize a ChexSystems query for a credit check. All account holders will sign a revised Membership Application and an Account Change Form.

To remove a joint account owner, all account owners (including the joint) will need to sign a Removal of Joint Owner Form. All account owners staying on the account will sign a revised Membership Application.

To add or remove authorized signers, please request an appointment with a personal banker at your local OneAZ branch. If you are unable to visit a branch, contact our Member Care Center to review your options.

To add or remove a beneficiary, please request an appointment with a personal banker at your local OneAZ branch. If you are unable to visit a branch, contact our Member Care Center to review your options.

To add or remove co-borrowers, please request an appointment with a personal banker at your local OneAZ branch. If you are unable to visit a branch, contact our Member Care Center to review your options.

On behalf of the entire team at OneAZ Credit Union, please accept our sincerest condolences for your loss. We understand that the settling of an estate can be a complex process, and we are here to help.

Several documents may be required depending on the member’s account status. To start, OneAZ will request an original or certified copy of the member’s death certificate. After a copy of the certificate is made by our associate, the original is returned.

For assistance with this process, please request an appointment online to meet with a personal banker at your local OneAZ branch or contact our Member Care Center.

To add or remove a trust ownership, please request an appointment with a personal banker at your local OneAZ branch. If you are unable to visit a branch, contact our Member Care Center to review your options.

To add a Power of Attorney to your account, please request an appointment with a personal banker at your local OneAZ branch. If you are unable to visit a branch, contact our Member Care Center to review your options.

To change your name on your account, please request an appointment online to meet with a personal banker at your local OneAZ branch. If you’re unable to visit a branch, contact our Member Care Center to review your options.

Telephone Banking

Telephone Banking

There are three Telephone Banking numbers.

  1. Toll free: 800.604.2573
  2. Local: 602.255.2255
  3. Member Care: 844.663.2928 Option 1.

You are eligible for Telephone Banking upon becoming a member with OneAZ.

To access Telephone Banking, you will need your OneAZ Member Number and Personal Identification Number (PIN) to access your accounts via Telephone Banking. For assistance with locating either number, please call our Member Care Center at 844.663.2928.

If it’s your first time logging in, call our Member Care Center at 844.663.2928. Our associates will provide you with a temporary PIN which you can reset once you gain access.

There is a menu option to change your PIN. Listen for the option and follow the instructions provided. For additional assistance, press 0 to connect with a Member Care associate.

If you have multiple accounts with OneAZ, the Telephone Banking system will announce and identify accounts by last four digits of the account number.

To go back to a previous menu within Telephone Banking, press the number 9 on your keypad.

To get the menu options to repeat, press the # sign on your keypad.

Yes, for assistance, press 0 to be connected with a Member Care associate during operating hours.

With Telephone Banking, you can retrieve account information such as your current balance and loan payoff information, transfer funds, and review your account history on your checking, savings, certificate and internally serviced loan accounts.

You can use Telephone Banking to transfer funds between your OneAZ accounts, pay a OneAZ loan, check balances, and review recent deposits, withdrawals and transactional information.

OneAZ’s Telephone Banking service operates 24 hours a day, 7 days a week. To use Telephone Banking, you will need a touch-tone telephone and your unique Access Code provided at account opening.

If you need your Access Code, please request an appointment online to meet with a personal banker at your local OneAZ branch, or contact our Member Care Center.

Contact Us

Contact Us

Who can I contact for help?

OneAZ associates are known for their knowledgeable and friendly service. Please schedulean appointment online to meet with a personal banker at your local OneAZ branch or virtually through Zoom.

Our Member Care Center associates are available Monday through Friday from 8:00 am to 6:00 pm. Call them at 844.663.2928 or login to Online Banking to chat with them using Live Chat. If you’re logged in, you also have the option of sending our Member Care Center a secure message.

For general questions or concerns, email us at questions@oneazcu.com. Please do not include account information in these emails.

Receive easy, enjoyable and effective service through a variety of channels.

Member Services

844.663.2928

questions@oneazcu.com

Telephone Banking

800.604.2573

Career Opportunities

employment@oneazcu.com

Investment Services

877.566.0517

Business Lending

800.562.0662

BLending@oneazcu.com

Mortgage - Applying for New Loan

855.505.4663

emlo@oneazcu.com

Mortgage - Servicing of Existing Loan

602.322.6550

homeloandepartment@oneazcu.com

Consumer Loans (Auto, Credit Card, Home Equity and Personal Loans)

800.453.9897

Loans@oneazcu.com

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 844.663.2928 for assistance. All products and services available on this website are available at OneAZ Credit Union’s full-service locations.

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