Checking that benefits you.

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Introducing Benefits and Free Checking.

Keeping your best interests at heart is one of our guiding principles. Now, you can choose from two checking accounts that simply can’t be beat, exclusively from OneAZ Credit Union

Checking Accounts

Benefits Checking

  • Exclusive 0.25% APR discount on auto and RV loans
  • Access to tri-bureau credit monitoring with alerts1
  • Identity theft restoration services
  • Access to dark web monitoring with alerts1
  • Earns dividends
  • Just $5/month for checking that benefits you
  • NO minimum balance

With both OneAZ checking accounts, you always get simple, secure digital banking options, like our free myOneAZcu mobile app.2

Access your money at 470 fee-free ATMs in Arizona and over 41,000+ across the U.S.

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Free Checking

  • NO monthly maintenance fees
  • NO minimum balance
  • NO frills, just free checking

Arizona and Student checking accounts will automatically transition into our new Free Checking product on January 1, 2021.

No action is needed on your part to get Free Checking, and you can continue to use the same checks and debit card that you currently have.

For members in our Premium Checking product, your account will remain unchanged, and no action is required.

Click here to view the Change in Terms for changes to the rates and terms of your account(s).

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Learn more about Benefits 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 Benefits Checking comes in. Benefits Checking comes with world-class perks that help you manage your finances, protect your identity and reach your financial goals.

  • Access to Credit Monitoring with Alerts: Get regular credit reports and real-time alerts when changes are made to your credit file.1
  • Identity Theft Recovery: Recover your identity with a fully managed program that includes reimbursement for identity restoration expenses.
  • Loan Discounts: Save 0.25% APR on Secured Loans like Auto and RV.
  • Access to Dark Web Monitoring with Alerts: Protect your private information with a monitoring service that alerts you when your passwords, emails, account info and more are found on the dark web.1

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

Understanding Your Credit Score

What does your score mean, and how do lenders—and even landlords and employers—use it to determine their decision? Here’s how.

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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.

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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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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