Upcoming Holiday HoursMonday, May 27th – OneAZ Credit Union will be closed in observance of Memorial Day.

Fraud Alert: Please be advised! Do not give remote access to your computer. Do not provide your online banking credentials to others.

  • Free checking for students.

    For a limited time, students get $100 when they open a new account using their promo code.

    New Member

    Enter your promo code at the end of your application.

It Pays to Join OneAZ

Arizona college students earn a $100 bonus1 by opening a new OneAZ Free Checking account.2 Free Checking + your student bonus = more cash for the things that matter – like pizza and coffee to fuel those late-night study sessions.

Lock in your $100 offer today.

Be sure to bring your student ID and your promo code.

Apply Online Apply Online

Apply Online

Enter your promo code
at the end of the application.

New Member



Mention your promo code when you call.


Visit a Branch


Mention your promo code when you visit your local branch.

Find a Branch

A Checking Account Made for Student Life

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No Monthly Fees

With Free Checking, you won’t pay monthly maintenance fees and there’s no minimum balance.

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Next Level Mobile Banking

Control your account wherever you are with the OneAZ Mobile Banking app.

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Send and Receive Money with Zelle®

Available in the OneAZ Mobile Banking app.

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Early Pay

Receive your paychecks up to two days before payday when you sign up for direct deposit.

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Contactless Payments

OneAZ debit cards feature tap-to-pay technology for safe and secure payments.

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Financial Wellness Tools

Set spending goals and track your expenses in the OneAZ Mobile Banking app.

Build Credit. Earn Rewards.

OneAZ Visa Choice Rewards | OneAZ Visa State Forty Eight Rewards

  • Choose from cash back, travel points, gift cards, merchandise or charitable donations.
  • Earn 2x points on balance transfers in the first 90 days.
  • 5,000 bonus points – That’s $50 worth of points for your first swipe.
  • No annual fee – spend and earn points with no strings attached.

Apply Now

Money Management 101

Managing your money may not always be top of mind between classes, homework and time with friends. Our Financial Resources Guide has the tools, tips and tricks you need to be top of your class when it comes to financial wellness.

Learn More

Take These Steps with Your Student Loans

What steps should you take with your student loans – even with the extension of federal student loan payment relief measures?

Keep Reading

Your Student Debt: What Now?

COVID-era relief extensions are in the news and getting prepared with the best options to handle your student loan debt will help reduce stress.

Keep Reading

4 Ways to Repay Federal Student Loans When You’re Struggling

Do you currently have federal student loans and you’re struggling to keep up with the monthly payments? If so, you’re not alone.

Keep Reading

10 Ways to Save Money in College

Learn more about how to save money with OneAZ’s partner Chris Peach.

See what OneAZ members are saying!

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

1Student Offer: Students can earn a $100 cash bonus by opening a new Checking account and using their OneAZ debit card to make 5 qualifying transactions within the first 60 days of account opening to qualify. Student must use promotional (promo) code at account opening when applying for a checking account. The debit card purchases must post and clear the account to count towards the spend requirements. This offer is available to new members only. Applicants must meet OneAZ Credit Union eligibility requirements and must be enrolled in school full time. Requirements may be found at OneAZcu.com/Membership. Offer is not available to existing OneAZ Credit Union members or those who have closed their membership within the past 12 months. Members under the age of 18 are not eligible for the $100 bonus.

Additional Program Guidelines/Restrictions: This offer expires 12/31/2023. All account applications are subject to approval. A Checking accounts must be open and in good standing with a balance greater than $0.00 to be eligible for the cash bonus. Offers are limited to one per primary member per year. OneAZ Credit Union reserves the right to modify or discontinue this offer at any time. We also reserve the right to rescind any cash bonus paid if there is a violation of the terms, requirements and/or promotional guidelines of these offers. The cash bonus earned will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). This offer is not transferable and cannot be combined with any other promotions. Membership at OneAZ is required by opening a minimum $5.00 Share Savings account. Account Closure: If the checking account is closed by the member or by OneAZ Credit Union within 6 months after opening, we will deduct the bonus amount from that account at closing.

2 Checking is free; however, fees incurred—such as a stop payment or NSF fee—will apply. For rates and fees, refer to the published Schedule of Fees or call 844.663.2928 for more information.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Early Pay Service Disclosure
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.

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