• Business Banking Let’s bank on success.

    Growing your business is your number one priority; helping you succeed is ours.

    Learn more

Fuel your growth with OneAZ’s financial solutions

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Business Banking Accounts

We offer a variety of business checking account options and business savings options tailored to meet you at different stages in your business.

  • No monthly maintenance fee with Small Business Checking.*
  • Earn dividends on business checking options
  • High-yield business savings options allow you to earn more for your money

View Business Checking Accounts View Business Savings Options

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Small and Commercial Business Lending

OneAZ gives you flexible, customized loan options designed to meet your business needs.

  • SBA Loan Partner
  • Working Capital Lines of Credit
  • Commercial Real Estate Lending
  • Construction and Development Loans

View Business Loan Options

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Business Credit Card

Earn cash back for your business purchases with OneAZ Business Cash Rewards.

  • 3% cashback on travel, office supplies, telecommunications and internet service
  • 2% cashback at restaurants
  • 1% cashback on all other purchase categories
  • No annual fee

Apply Now

Run your business with ease and efficiency

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Cash Management

Streamline your business banking and improve cash flow with our digital cash management platform. Our platform is designed to fit the needs of your business.

  • Smart payment processing solutions
  • Customizable payment processing services
  • Wires (domestic & international)
  • Track balances, manage transactions, and reporting at your convenience
  • Remote deposit capture
  • Employee direct deposit
  • Multiple ways to pay vendors

Learn more about Cash Management

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Merchant Services

OneAZ partners with Heartland to provide Merchant Services, so you can run your business with smart, easy-to-use solutions anywhere, anytime.

  • Smart point of sale options
  • Accepts all major payment types
  • Help protect your business with fraud prevention and data security tools
  • Capture and gain visibility to customer data
  • Payroll services

Learn more about Merchant Services

A partnership that feels like family.

Mike Spangenberg of the local clothing business State Forty Eight shares his success story in partnering with OneAZ’s business products and services.

Oneaz Debit Card and OneAZ Mobile Banking app

Do it all with the OneAZ Mobile Banking app.

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Deposit checks

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Transfer funds

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Pay your bills

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Access cash management features

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Chat with an associate

Your Financial Blueprint

Where are you at in your business? Whether you’re just starting, looking to grow, or preparing for the future, we've got the tools and resources to help you succeed. Explore our Financial Resources Guide to help inform your decisions along the way.

What is a Business Line of Credit and How Does it Work for a Small Business in Arizona?

If you’re a small business owner in Arizona, a business line of credit may be the perfect solution to help you manage and grow your business.

Keep Reading

How to Protect Your Business’s Funds in Uncertain Times

Protecting your funds during uncertain times is crucial. Use these tips to ensure your business’s financial stability during times of uncertainty.

Keep Reading

Financing Options for Funding Your Business

When it comes to cash, your business may require more funds than you can generate from your operating revenues alone.

Keep Reading
Committed to Your Business’s Community

Verde Valley Habitat for Humanity has made it their goal to provide affordable and safe housing to residents of the Verde Valley and surrounding areas. OneAZ’s partnership has helped them to build new housing options for Arizonans in need, contributing to housing four families during the pandemic.

You focus on making sales, we’ll focus on getting you paid.

OneAZ has partnered with Heartland to provide you with a fast, secure and simple payment solution.

Learn More

OneAZ partnership with Heartland

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See How We Can Help

Connect with your local Business Banker today.


Let’s get down to business.

Speak with a Business Banker and get started with better business banking.

OneAZ Business Success Story

Meet Diane & Sean Babb - local business owners of Pralines of Prescott in Arizona. This family-owned business specializes in homemade pralines, chocolates, fudges, gelato, coffee and more. The Babbs have business checking and savings accounts with OneAZ as well as personal bank accounts.

The Babbs say the difference of banking local is in how you are treated:


Big chain banks look at your business like a number. Banking local brings support, nurturing, resources and stellar customer service!

Learn more about their business journey and partnership with OneAZ.

We serve over 11,000 of your favorite Arizona businesses.

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Local First Arizona State Forty Eight U.S. Small Business Administration Flagstaff Brewing Company
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Mountain Mojo Group Boulevard Glass White Eyes Fresh Fry Bread Deer Valley Plumbing Contractors
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Mahalo Made Purple Gurl's Popcorn & More One Stop Nutrition Monkey Peach

Navigating Success Side by Side

Caprice Daniels
Jerame Pearson
Bob Morenzoni
Armando Carrillo
Brandon Mello
Christy Manning

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