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Benefits Checking

Benefits Checking

Discover checking that goes above and beyond with world-class benefits like a 0.25% APR discount on most secured loans, access to credit monitoring with alerts, identity theft restoration, and access to dark web monitoring with alerts.1

  • Simple, secure digital banking options
  • 41,000+ fee-free ATMs across the U.S.
  • $20 minimum deposit to open
  • APR discount and credit monitoring services

Checking Accounts

Free Checking

Your checking account is more than just a place to put your money. As your daily spending account, it should pack some serious power. That’s where OneAZ’s new checking account comes in.

With OneAZ’s new free checking, free means free—really! Free means NO hidden fees and NO minimum balance.

  • NO monthly maintenance fees2
  • Simple, secure digital banking options
  • 41,000+ fee-free ATMs across the U.S.
  • $20 minimum deposit to open

Premium Checking

Premium Checking

Consider this Premium Checking account if you want to earn competitive rates on balances of $1,000 or more.

  • Earn higher dividends on large balances
  • Simple, secure digital banking options
  • 41,000 fee-free ATMs across the U.S.
  • $20 minimum deposit to open



Open an account online!

New Members
Existing Members



Call our team and get set up!


Visit a Branch


Stop by one of our branches today!

Find a Branch

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

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

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

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.

See what OneAZ members are saying!

We are proud to provide an easy, enjoyable and effective experience to over 145,000 members.

OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.

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APR = Annual Percentage Rate. APY = Annual Percentage Yield.

1 Monitoring services are provided to the primary account holder on an entitled basis and require consumer activation. For additional details about the services, including terms, conditions, and limitations, please visit

2 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.