Your best choice for Free Checking &
so much more!

Arizona Financial offers unique no-fee checking account options1 for teens, young adults and seasoned money managers alike!

Checking Plus Rates

The Checking Plus Account is available for all eligible members. We also offer Teen Checking and Young Adult Checking for members of eligible age. 
Minimum to Earn APY
Dividend
Rate
APY*
Minimum to Earn APY
$25
Dividend
Rate
0.11%
APY*
0.11%
Minimum to Earn APY
$1,000
Dividend
Rate
0.15%
APY*
0.15%
Minimum to Earn APY
$10,000
Dividend
Rate
0.17%
APY*
0.17%
Minimum to Earn APY
$25,000
Dividend
Rate
0.20%
APY*
0.20%
Effective January 2, 2024

*Annual Percentage Yield. Minimum opening deposit is $20. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

*Annual Percentage Yield. Minimum opening deposit is $20. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

Start Your Checking Plus Application:


Membership Eligibility

You’re eligible to open an account with us if you live, work, worship, attend school, or regularly conduct business in one of the areas listed below. You may also be eligible through a family or household member who has already chosen Arizona Financial for their financial needs.
 
Still not sure if you're eligible? Support our local communities and become eligible by making a donation of at least $15 to Local First Arizona.

  • Coconino County
  • Gila County
  • La Paz County
  • Maricopa County
  • Mohave County

  • Navajo County
  • Pima County
  • Pinal County
  • Yavapai County
  • Yuma County
man with beard sitting on couch looking at the features of a checking account on his mobile phone

Open the Best Free Checking Account Online Today

Our Checking Plus Account offers everything you need and more! When you open a Free Checking Account1, with Arizona Financial you can count on the 24/7 convenience of mobile banking, no monthly service fee, and access to nearly 30,000 surcharge-free ATMs nationwide. This is the best checking account for your entire family!
No Fee Checking

At Arizona Financial, we truly believe in the value of free. That's why our Checking Plus Account comes with absolutely no monthly service fee.1

Instant Issue Debit Cards

Receive your new Visa® debit card immediately at any branch location for faster access to your account.

No Minimum Balance

There's no minimum balance requirement on our Checking Plus Account. You're free to use all of your money however you'd like.

Enhanced Security Features

With the CardPowerTM app you can easily switch your debit card on or off. You can also limit where and how your card is used. The power to control your card is in the palm of your hand.

Checking Account Options

You'll find the best checking accounts for every member of your family. Select the right one for your needs today.

Checking Plus
Free checking with all the benefits!

  • $20 Minimum Opening Deposit
  • No Minimum Balance Required After Opening
  • No Monthly Service Fee1
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking App with Mobile Deposit
  • 30,000+ Surcharge-Free ATMs
  • Cash Back Debit Card Offers through Purchase Rewards
  • CardPower Mobile App
  • FREE Access to ID Protect

Young Adult
For adults ages 18-20 years old

  • $20 Minimum Opening Deposit
  • No Minimum Balance Required After Opening
  • No Monthly Service Fee
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking App with Mobile Deposit
  • 30,000+ Surcharge-Free ATMs
  • Cash Back Debit Card Offers through Purchase Rewards
  • CardPower Mobile App
  • FREE Access to ID Protect

 

Teen
For members ages 13-17 years old2

  • No Opening Deposit Required 
  • No Minimum Balance Required After Opening
  • No Monthly Service Fee
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking App with Mobile Deposit
  • 30,000+ Surcharge-Free ATMs
  • Cash Back Debit Card Offers through Purchase Rewards
  • CardPower Mobile App
  • FREE Access to ID Protect

1. No monthly service fees. Fees may apply for certain account services, including stop payment fees, non-sufficient funds fees, out-of-network ATM fees, and overdraft privilege services. Minimum opening deposit of $20. No minimum balance required after opening. For current fee schedule, visit ArizonaFinancial.org/Disclosures 

2. Teen Accounts are not eligible for online account opening; stop by a branch to open your account.

closeup of CardPower app on mobile phone with option to turn off arizona financial credit union debit card on or off

Protect Yourself with CardPower

Our CardPowerTM app provides another layer of protection for your Checking Account. Use it to remotely turn your debit card on or off or block where and how your card can be used. The CardPower app is available for Android and Apple devices. 

What You Need to
Open Your Account Today!

woman on mobile phone smiling at how easy it is to open a checking account online
  1. Opening Deposit

    A debit or credit card to make the $20 account opening deposit.

  2. Valid Identification

    A valid driver's license, state ID card, or passport. We'll also verify your identity (including joint owners) as part of the account opening process.1

  3. Security Questions

    Information to answer and pass your unique verification questions.

1You understand and agree that the USA PATRIOT Act of 2001 (USA Patriot Act of 2001) obligates all persons seeking to open an account to fully comply with the identity verification requirements of the Bank Secrecy Act, as amended from time to time. Transactions to/from any accounts may be limited until ID verification of all applicable persons is completed.

Checking Account Resources

Blog Post

Do's And Don’ts To Protect Yourself From Scams

With scams on the rise and countless scams out there – like check scams, job scams, loan scams and romance scams – here are some do's and don’ts to help you protect your accounts and information from scams and identity theft.

Read More

Checking Account FAQs

Can I open a Checking, Savings, Certificate, or Money Market account online?

Yes, new members can open a checking account online with our online application.

Youth, Teen and Individual Retirement Accounts must be opened in a branch.

Current members:
Existing Arizona Financial members can add a Savings Account, Money Market, or Savings Certificate through online banking:

  • Log in to your online account from a desktop or laptop (this form is not currently available in the mobile app)
  • Click on “Additional Services” from the blue bar at the top of the page
  • Select “Secure Forms” from the options provided
  • Select “Open Additional Accounts”
  • Fill out the form with your request and we’ll take it from there. 
  • The new account will be opened within 2 business days

If your banker instructed you to use our business banking options, please call us at 602-683-1000 for assistance, as this form is not currently available on the business platform. 

For a more personalized touch, stop by one of our branch locations or schedule an appointment to open an account with one of our representatives.

How do I change my personal identification number (PIN) for my debit card?

To select your PIN, bring the card and your government-issued photo ID to any one of our branch locations and we’ll help you set up the PIN of your choice.

If you know the current assigned PIN, you can change it by calling 866-599-5615 and selecting the option to update the PIN. You'll need the existing PIN in order to change this.

If you only want to find out your PIN, you can either contact us or send us a secure email from within online banking and we’ll mail you a copy.

For security purposes, Arizona Financial does not have access to your PIN.

How do I order checks?

To order checks from a desktop or laptop: 

  • Log in to online banking
  • Click on “Additional Services” from the blue bar at the top of the page. The blue bar will only appear if you're using a desktop or laptop device.  
  • Select “Order Checks” from the options provided
  • You’ll be routed to the Harland Clarke website this is our trusted partner for check orders
  • After answering a few security questions, you’ll be able to browse through check styles, view prices, and place your order

To order checks from your mobile device through our website: (Check ordering is not currently available on our mobile app)

  • Use the browser on your mobile device to visit ArizonaFinancial.org 
  • Select the "Menu" icon
  • Select the plus sign next to "Additional Services"
  • Select “Order Checks” from the options provided
  • You’ll be routed to the Harland Clarke website this is our trusted partner for check orders
  • After answering a few security questions, you’ll be able to browse through check styles, view prices, and place your order

To order checks by phone through Harland Clarke:

  • Call 800-355-8123
  • You will need Arizona Financial's routing number: 322172797
  • You’ll also need your full account number (a minimum of nine digits).
  • Your account number can be found within online banking or mobile banking

When will my checks arrive? 
Checks are delivered within 10 business days

How can I pay for my checks?
The cost of the checks will be withdrawn directly from your checking account within 10 business days of the order. Prices vary based on the image options selected. 

How much will it cost to make a stop payment on a check?

The fee to place a stop payment is $35 per check number or for a consecutive range of check numbers. If you need assistance with a Visa transaction, please contact us and we'll be happy to assist further. 

Stop payments can be placed through online banking, TouchTone 24, or by visiting any of our branch locations. (Note: TouchTone 24 is not available for business accounts)

Please make sure you have the correct check number and amount for the item you wish to place a stop payment. 

Steps to place a stop payment online

  • Log in to online banking
  • Select “Additional Services” from the blue bar at the top of the page
  • Select “Stop Payment” from the options provided
  • Complete the form with the details of your item

Steps to place a stop payment through TouchTone 24 (not available for business accounts)

To place a stop payment on a check through TouchTone 24 (TT24), complete the following:

  • Call our telephone banking system at 602-683-1234.
  • Enter your account number and TT24 PIN (this PIN is established separately from your debit card PIN)
  • Select Option 4 for Account Management
  • Select Option 1 for Stop Payment Activities
  • Select Stop a Payment
  • Follow the prompts to find the check number.

Don’t have a TT24 PIN? Don’t worry, we can help! Simply give us a call at 602-683-1000 and we’ll be happy to help set one up for you.

ACH/electronic item stop payment

To place a stop payment on an ACH or electronic withdrawal:

  • Log in to online banking
  • Select “Additional Services” from the blue bar at the top of the page
  • Select “Secure Forms”
  • Select “ACH/Electronic Withdrawal” from the list provided.
  • Follow the prompts to place the stop
Do you have Youth Accounts?

Yes! We have three different account types with features that grow with your family.

To open a Youth or Teen Account, please schedule an appointment or stop by any of our branch locations. Youth and Teen Accounts cannot be opened online.