CU News Summer 2024
Here's the latest news and announcements for the members of Arizona Financial Credit Union.
Read More
Here's the latest news and announcements for the members of Arizona Financial Credit Union.
President's Message
Last month, Arizona Financial joined 10 other local credit unions to celebrate Arizona Credit Union Week. An event like this is unique to credit unions and is a clear example of our cooperative business model, which places member service at the center of everything we do.
In my update, I’ll also share details on why where you choose to bank matters and how it helps the local economy.
Give the gift that fits kids of all ages!
This holiday season give your child or grandchild a gift that lasts and helps them build good money skills with a Youth Savings Account.
We make it easy to open a Savings Account for kids and teens – with $0 opening deposit and no monthly service fee!
Stop by your local branch to get started or learn more at ArizonaFinancial.org/Youth
Get payroll deposits up to two days early!
If you've set up direct deposits to your Checking Plus or Premier Checking Account – like paychecks and Social Security benefits – our early pay feature can give you access to your direct deposits up to two days early.
Early pay is a convenient feature that’s automatically made available on Premier and Checking Plus accounts. Direct deposits into a savings account are not eligible for this service.
FAQs
When will the Early Pay Deposit feature be available?
The new Early Pay Deposit feature is available now for Consumer Checking Plus and Premier Checking members who have set up direct deposits such as payroll funds.
This service allows us to make funds from Automated Clearing House (ACH) deposits available to you up to two business days early, depending on factors as described below.
To open a Premier Checking account online, visit ArizonaFinancial.org/Premier.
How will I know if my deposit is available early?
To see if you've received your deposits early, members can check their account using online banking or the mobile app.
Electronic/ACH deposits may be available to you up to two business days early, depending on factors as described below.
If I do not want my funds deposited early, can I opt out?
No, there is no opt-out option for these accounts. If you do not wish to use this service, you may have ACH funds deposited into your savings account.
See disclosures below to learn more about Early Pay Deposit.
Free up cash for the holidays with Skip-A-Pay
With the holidays just around the corner, our members have the flexibility to skip a monthly payment once a year on qualifying loans and credit cards.
Our Skip-A-Payment program gives you the financial flexibility to skip a monthly payment on eligible loan or credit card accounts. It’s an easy way to help free up cash for the holidays, vacation or an unexpected expense!
How to get started
To take advantage of the Skip-A-Payment program, just log in to your account online or the mobile app to see if your loan or credit card is eligible.
How does Skip-A-Payment work?
When you skip a payment, the payment is not waived but postponed, extending the length or term of your loan. This adjustment can help free up funds without drastically altering your long-term financial obligations.
As a reminder, interest will still accrue on the skipped payment. This accrued interest will need to be paid at the end of the loan term.
If you have questions, call 602-683-1000 or send us a message through your online banking or the mobile app.
Check out faster, add your cards to mobile wallet
This shopping season, make checkout at the store fast and secure by linking your Arizona Financial debit or credit card to your phone’s mobile wallet app – for Apple Pay, Google Wallet and Samsung Pay.
At checkout, just unlock your phone and hold it near the card reader to check out quickly without opening your wallet!
It’s easy to get started
Open the wallet app on your device and enter the card information for your Arizona Financial debit or credit card.
For more information, visit ArizonaFinancial.org/mobile-banking.
Travel notification: Don't let a declined card ruin holiday travel
Traveling this holiday season? Before you head out to visit family and friends, make sure to notify Arizona Financial to avoid any issues using your credit or debit card.
Anytime you’ll be using your card outside of your normal spending pattern and location, it’s important to notify us so we can prevent your debit or credit cards from declining due to unusual activity.
It's easy! You can submit a Travel Notification form online or give us a call at 602-683-1000.
Complete online form
You can submit a Travel Notification form online by following the steps below:
- Log in to online banking from a desktop or laptop computer (this feature is not available on our mobile app)
- Select Additional Services from the blue bar at the top of the page
- Select Secure Forms from the options provided
- Select the Travel Notification Form and enter your trip details
If you have any questions, please give us a call at 602-683-1000.
Safe travels and happy holidays!
New ATMs coming soon, tap to access
We're excited to announce we’re rolling out new ATMs at our branches. The new ATMs will feature an easy-to-use touchscreen and you’ll be able to tap your card to access instead of inserting your card.
To find out when the new ATMs will be available at your nearest branch visit ArizonaFinancial.org/New-ATMs.
Early Pay Deposit disclosure
Early Pay Deposit is a feature of select checking accounts. This service allows Arizona Financial Credit Union (AZFCU) to make funds from Automated Clearing House (ACH) deposits (typically payroll funds) available to you up to two business days before our receipt of the funds made directly to your checking account.
Accounts featuring the Early Pay Deposit are automatically enrolled in the service. There is no opt-out option for these accounts. Therefore, if you do not wish to use this service, you may have ACH funds deposited into your savings account.
AZFCU, in its sole discretion, determines which direct deposits and deposit accounts qualify for the Early Pay Deposit based on criteria we establish, which can change without notice.
Factors such as the time of receipt, terms or coding of a payor’s ACH file, fraud prevention restrictions, and other confidential risk considerations may affect eligibility, and we do not guarantee the early availability of any deposit. Any direct deposit that does not qualify for Early Pay Deposit service will be made available according to our funds availability policy.
The Early Pay Deposit provisionally credits your account for an ACH transfer before we receive final settlement. If final settlement is not received, AZFCU may reverse the provisional credit or require you to refund us the amount provisionally credited, in which case the payor will not be considered to have paid you. Alternatively, we may debit your account to recover the funds without prior notice, even if it overdraws your account. In the event of an overdraft, you agree to pay the applicable overdraft fee as disclosed in AZFCU’s Rate and Fee Schedule.
AZFCU provides the Early Pay Deposit service as a courtesy at our sole discretion, and we may terminate, suspend, or modify the service at any time without notice to you.
