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Call 800.453.9897

Benefits Checking

Benefits Checking

Discover checking that goes above and beyond with world-class benefits like a 0.25% APR discount on most secured loans, access to credit monitoring with alerts, identity theft restoration, and access to dark web monitoring with alerts.1

  • Simple, secure digital banking options
  • 41,000+ fee-free ATMs across the U.S.
  • $20 minimum deposit to open
  • APR discount and credit monitoring services

Free Checking

Free 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 checking account comes in.

With OneAZ’s new free checking, free means free—really! Free means NO hidden fees and NO minimum balance.

  • NO monthly maintenance fees2
  • Simple, secure digital banking options
  • 41,000+ fee-free ATMs across the U.S.
  • $20 minimum deposit to open

Premium Checking

Premium Checking

Consider this Premium Checking account if you want to earn competitive rates on balances of $1,000 or more.

  • Earn higher dividends on large balances
  • Simple, secure digital banking options
  • 41,000 fee-free ATMs across the U.S.
  • $20 minimum deposit to open
teen checking and debit cards icon

Teen Debit Card:

Let’s teach smart spending.

Financial independence starts now.

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Existing Members



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Visit a Branch


Stop by one of our branches today!

Find a Branch

Seamless shopping with your digital wallet.

Use your OneAZ debit or credit card with Apple Pay™, Google Pay™, and Samsung Pay™!

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digital wallet on the OneAZ Mobile Banking app

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

Visit a Branch

Visit one of our 20 branches across Arizona to open a new account, apply for a loan or credit card, and more. We recommend scheduling an appointment prior to your visit!

Schedule an Appointment

Find an ATM

With your OneAZ Visa® Debit Card, you have access to 470 CULIANCE Network ATMs in Arizona and 41,343 across the nation.

Find an ATM

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.

  • You’re a Member, not a number. Your membership is your ownership stake in OneAZ Credit Union. That means we’re accountable to you, not investors or stockholders. You have a voice in how your credit union operates and get to vote for our Board of Directors.
  • Our profits are your savings. As a not-for-profit, we return our earnings to you in the form of lower interest rates, lower fees and better banking technology. Our team only cares about providing you with products and services that will benefit your financial well-being.
  • We keep it local. Banking at a local credit union like OneAZ keeps your money in Arizona. We’re committed to strengthening Arizona’s economy by providing affordable home and auto loans, empowering local entrepreneurs and small businesses, and supporting our members as they achieve their financial goals.
  • We invest in your community. We build stronger communities by providing support to nonprofits working in neighborhoods where our members live and work. The OneAZ Community Foundation uplifts the lives of Arizonans in need by awarding dozens of grants each year to local organizations across the state.

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.

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Make the switch to OneAZ.

Move your money to OneAZ in three simple steps.

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APR = Annual Percentage Rate. APY = Annual Percentage Yield.

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

2 Checking is free; however, fees incurred—such as a stop payment or NSF fee—will apply. For complete terms and conditions, refer to the published Membership Account Agreement and Schedule of Fees and Charges.

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