Benefits of OneAZ Checking
Get paid up to two days early.1
Access 41,000+ surcharge-free ATMs nationwide
Send money instantly with Zelle®
|
|
Free Checking2 |
Benefits Checking3 |
Premium Checking4 |
|---|---|---|---|
| Monthly Maintenance Fee | $0 | $5 | $12** |
| 24/7 Online & Mobile Banking |  |
|
|
| Debit Card Access | |
|
|
| Pay Anywhere with Digital Wallets | |
|
|
| Easy Direct Deposit Setup | |
|
|
| Fast Mobile Check Deposits | |
|
|
| Unlimited Check Writing | |
|
|
| Waived Official Check Fee | |
|
|
| Earn Interest Daily with Competitive APY | 0.10% APY* on $1,000+ | Earn up to 0.20% APY* | |
| Credit Monitoring & Identity Protection | |
||
| Available 0.25% Loan rate discounts* | |
*Tiered rates apply
How to Open an Account
Open Your Account Digitally
Start your application below.
Complete Your Application
Provide basic details and preferences to help us set up your account quickly and securely.
Set Up Online & Mobile Banking
Register for online banking and download our mobile app to manage your account anytime.
You can also add your card to your digital wallet once it arrives.
Get Your Debit Card
We’ll mail your debit card to your address. Need it sooner? Visit a nearby branch for an instant-issue card.
Download the OneAZ Mobile Banking app
Stay safe with:
- Card freeze control
- Real time alerts
- Two-factor authentication
- NCUA insurance up to $250,000 per individual
Add money to your account without stepping into a branch.
Just snap a photo of your check and securely deposit funds anytime, anywhere—right from your phone.
Everything you need to manage your money, right at your fingertips.
- Check balances and recent transactions
- View and download statements
- Track spending and money habits
- Transfer funds between accounts
- Send and receive money with Zelle®
Teen Debit Card:
Got a teen ready for their first debit card? Set them up with tools that build smart money habits from day one.
Why Choose OneAZ?
At OneAZ, our mission is to truly improve the lives of our members, our associates and the communities we serve. By becoming a member, you’re joining a credit union that cares about your future – we are here to help you achieve your financial goals. We put you first by providing you with competitive rates, low fees and the personalized service you deserve.
Your dollars stay local, strengthening businesses and communities that support your success.
Each debit card swipe helps fund local nonprofits, creating opportunities for all Arizonans to thrive.
Free financial coaching and resources to help you make confident money decisions.
Get member-only discounts on home and auto loans to help you achieve your goals.
Enjoy digital banking 24/7 or in-person guidance at branches statewide, so you can manage your money with confidence.
Your finances are protected with secure digital banking and NCUA insurance up to $250,000 per individual.
Click
Open an account online!
Call
Call our team and get set up!
Schedule
Schedule an appointment at your local branch
Do it all with the
OneAZ Mobile Banking app.
Deposit
checks
Transfer
funds
Pay
your bills
Chat with an
associate
Locate
an ATM
Download the OneAZ Mobile Banking app
Do it all with the
OneAZ Mobile Banking app.
Deposit checks
Transfer funds
Pay your bills
Chat with an associate
Locate an ATM
Download the OneAZ Mobile Banking app
See what OneAZ members are saying!
We are proud to provide an easy, enjoyable and effective experience to over 150,000 members.
OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.
Frequently Asked Questions
Not finding what you’re looking for?
Please connect with our Member Care Center Monday through Friday from 8:00 AM to 6:00 PM through Live Chat, Secure Message, or phone at 844.663.2928.
Opening a checking account online with OneAZ is quick and easy! Simply visit our website and follow the guided steps. You’ll be asked to provide some basic personal information to get started. Our secure online application makes it possible to start your journey with us from the comfort of your home.
A checking account is designed for your everyday transactions, like paying bills, making purchases with your debit card, and receiving direct deposits. A savings account is for money you want to save and grow over time, often earning a higher interest rate and with limited withdrawals.
The OneAZ Credit Union routing number is 322172496.
Yes, your deposits at OneAZ are federally insured by the NCUA (National Credit Union Administration) up to $250,000, giving you peace of mind and security.
Yes, all of our checking accounts come with a OneAZ Visa® Debit Card, providing you with a convenient way to make purchases and access your funds.
To wire funds to OneAZ Credit Union, please use the following instructions:
Wire to: OneAZ Credit Union 2355 W. Pinnacle Peak Road Phoenix, AZ 85027
Routing Transit number: 322172496
Member name: (Beneficiary name MUST match account name)
Member Account number: (Add your unique OneAZ Checking Account Number)
All wires will be posted to the checking account unless otherwise specified. If the recipient does not have a checking account, funds will be posted to the savings account.
OneAZ Credit Union does not currently receive incoming international wires directly to your personal checking. Please contact our MCC at (phone number) for more details for international wires.
*APR = Annual Percentage Rate. In order to qualify for the 0.25% discount, you will need to have a Benefits Checking account. For more information visit https://www.oneazcu.com/benefits-checking-promo.
APY= Annual Percentage Yield
