One of the best Business Checking Accounts for all your needs

Whether you're a small business just getting started or a growing business with growing needs – manage your money with some of the best business checking accounts in Arizona.

Choose Your Account

Business Checking Accounts

Choose the checking account that best meets the needs of your business. Our Business Platinum Checking Account pays dividends at two different balance tier levels!
Checking
Account Type
Minimum to
Earn APY
Dividend Rate
Annual Percentage Yield (APY)
Checking
Account Type
Small Business
Minimum to
Earn APY
N/A
Dividend Rate
N/A
Annual Percentage Yield (APY)
N/A
Checking
Account Type
Business Analysis
Minimum to
Earn APY
N/A
Dividend Rate
N/A
Annual Percentage Yield (APY)
N/A
Checking
Account Type
Business Platinum
(up to $50K)
Minimum to
Earn APY
$1,500
Dividend Rate
0.10%
Annual Percentage Yield (APY)
0.10%
Checking
Account Type
Business Platinum
($50K+)
Minimum to
Earn APY
$50,000
Dividend Rate
0.15%
Annual Percentage Yield (APY)
0.15%
Effective May 1, 2024

Minimum opening deposit: Small Business, $100; Business Analysis, $500; Business Platinum, $1,500. A $15 monthly fee applies to Business Platinum if daily balance drops below $1,500. Rates are variable and may change after account is opened. Fees may reduce earnings.

Minimum opening deposit: Small Business, $100; Business Analysis, $500; Business Platinum, $1,500. A $15 monthly fee applies to Business Platinum if daily balance drops below $1,500. Rates are variable and may change after account is opened. Fees may reduce earnings.

Start the Account Opening Process

Our Business Debit Card Gives You Control & Rewards!

Shop anywhere Visa is accepted with an Arizona Financial Visa Business Debit Card – it’s the fast, convenient and secure way to make payments and get cash.

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Instant Issue Debit Card

Receive your new Arizona Financial Visa® Debit Card immediately at any branch location so you have access to the funds in your account immediately.

Enhanced Security Features

With the CardPowerTM mobile app you can easily switch your debit card on or off and block where and how it can be used.

Tap & Go Payment

With Visa  Tap To Pay technology you'll experience quick and simple checkout any where you see the contactless symbol. 

Track and Redeem Your Rewards

Load Cash Back Debit Card Offers through Purchase Rewards to your Arizona Financial Visa® debit card after you earn rewards on everyday purchases.

Compare Business Bank Accounts

Let us help you manage your business with confidence. We offer a variety of checking account options perfect for basic needs, small businesses, or those with higher transaction volume. A rewards debit card is what you'll get with any of our checking accounts!

Small
Business Checking

Ideal for growing or small businesses with limited checking needs.

 

Minimum Opening Deposit:
$100

Monthly Fee: 
None

Dividends: 
N/A

 

Transaction Fees:
$0.40 per item for each pre-authorized withdrawal in excess of 50 per month.

Business Platinum Checking

Perfect for mid-sized businesses with moderate checking activity and larger balances.

Minimum Opening Deposit:
$1,500

Monthly Fee:
$15 (if balance drops below $1,500 on any day)

Dividends: 
This account earns dividends, so you can maximize excess balances. See current rates above.

Transaction Fees: 
N/A

Business Analysis Checking

For business customers with multiple accounts and/or moderate-to-heavy checking account activity.

Minimum Opening Deposit:
$500

Monthly Fee: 
$8

Dividends: 
N/A


Transaction Fees:
$0.15 for each debit transaction
$0.35 for each deposit
$0.06 for each deposited item

What You Need to
Open a Business Account!

woman on mobile phone smiling at how easy it is to open a checking account online
We have a variety of accounts and services for your business. Here's what you'll need to get started.

  1. Opening Deposit

    Depending on the business account, you'll need the minimum opening deposit. You can use cash,  a debit or credit card. 

  2. Valid Identification and Business Documentation

    A valid driver's license, state ID card, or passport for yourself and any other business owners on the account. You'll also need valid business documents depending on the business type. 

  3. Schedule Appointment

    Set up an appointment with our branch specialists to get you started with your new business account. 

Get Started

 

If you're a lawyer or legal paraprofessional, check out our IOLTA (Interest On Lawyers' Trust Account).

woman sitting at table inserting credit card into credit card machine held by female employee

Key Features of our Business Banking & Merchant Services

Arizona Financial offers an expanded suite of banking and merchant services to enhance and simplify your operations and business banking experiences.
Get Started
Merchant Bankcard Services

Expand your business and increase sales by accepting credit cards anywhere you do business. We've partnered with Elavon® Merchant Services to provide cutting-edge solutions.

Night Drop

Our 24-hour night-drop (available at select locations) is a secure, convenient way for merchants to drop off daily receivables. Deposits made outside of business hours will be applied the next business day. 

Remote Deposit

Save the time and hassle of visiting a branch. Quickly deposit your checks from anywhere using our digital remote deposit technology.

Safe Deposit Boxes

Ensure your valuable business items are safe and protected with our affordable safe deposit box options. Available at select locations. 

Business Solutions Center
Our team of business banking specialists are here to help you manage every aspect of your business accounts.

Get Paid When You Shop & Dine with
Cash Back Debit Card Offers

woman on mobile phone smiling at how easy it is to open a checking account online in Arizona

A Cash Back debit card is what you'll get with any of our checking accounts! Follow these easy steps once you have a checking account with us:

  1. Log In

    Log in to your online account or the mobile app and go to "Cash Back Offers."

  2. Select Offers

    Click on the offers you want to add to your debit card.

  3. Redeem Your Offer

    Redeem your offers when you use your Arizona Financial Visa Debit Card at the retailers you selected.

  4. Enjoy Cash Back

    Enjoy cash back deposited directly into your Arizona Financial checking account at the end of the following month.

Open A Checking Account


Treasury Management Services

bearded man in apron working on a bicycle wheel

Streamline your business finances and improve cash flow with our Treasury Management Services.

  1. Account Management

    • Business Online & Mobile Banking
    • Cash Management
    • Image Retrieval
    • Account Reconciliation

  2. Payments

    • Direct Deposit of Payroll (ACH)
    • Accounts Payable (ACH)
    • Wire Transfers

  3. Receivables

    • Accounts Receivable
    • Cash Concentration
    • Remote Deposit
    • Merchant Processing
    • Electronic Data Interchange (EDI)

  4. Fraud Detection

    • ACH Monitoring

  5. Sweep Accounts

    • Set up automated daily balance sweeps
Learn More

Business Banking Resources

Blog Post

Bookkeeping Basics: Separating Business & Personal Finances

Do you own a micro business, small business or even a side hustle for earning extra income? If so, it’s vital that you follow certain bookkeeping basics. Here’s a super-easy way to manage your business finances.

Read More
Blog Post

What Small Business Owners Should Bring To Tax Preparer

Tax season is a stressful time for us all. It can be even more overwhelming if you’ve experienced a major life change or started a business, and as a result, don’t know what the tax implications will be.

Read More
Blog Post

8 Essential Banking Tips From Small Business Owners

Small businesses account for 99.9% of businesses in the U.S., so it’s no surprise that most financial institutions are vying for your business. Careful consideration needs to be taken when banking on your financial services provider.

Read More

Report a Lost or Stolen Visa Credit or Debit Card

During Business Hours: Call Arizona Financial at 602-683-1000 or 800-523-4603

After Business Hours: Call the Visa Hotline at 866-599-5615

Frequently Asked Questions

What is the requirement for Arizona Financial to serve my business?

For Arizona Financial to serve a business, the business must be within our field of membership as described below. Please call us if you have any questions and we’ll be happy to help.

Arizona Financial's field of membership includes Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai and Yuma counties.

Immediate family or individuals in the same household of a current member are eligible.

Individuals who have made a donation of at least $15 to Local First Arizona are eligible.

A business must meet one of the following field of membership requirements:

  • The known place of your business is within our field of membership.
  • The business has a substantial physical presence or substantially serves the residents within our field of membership.
    • This usually means that at least 51% of physical locations or revenue are within our field of membership.
  • All members, managers and/or officers live, work, or attend school within our field of membership.
What are the business eligibility requirements to open a business account?

We can serve most businesses who answer no to the questions below.

  • Does your business remotely create checks (checks without signatures)?
  • Is your business a money service business, engaging in any of the following:
    • Check cashing
    • Issuing Money Orders or Traveler’s checks
    • Owns or operates an ATM
    • Issues pre-paid cards
    • Currency Dealer or Exchange
  • Does your business engage in marijuana related services?
  • Does your business provide correspondent banking services?
  • Is your business illegal under Federal and/or State law?
  • Does your business deal with gaming or gambling services?
  • Will the account be used to hold the funds for election, re-election or a political action committee?
What documentation is required to open a business account?

Account opening documents are listed based on the type of business you have.

  • Limited Liability Company (LLC) and Corporation and Nonprofit Corporation:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Articles of Organization and appropriate amendments as filed with the Arizona Corporation Commission.
    • Bylaws or Operating Agreement is most commonly required if all managers/members will not be listed on the account.
    • Good Standing: The business must reflect as active and in good standing on the Arizona Corporation Commission website.
  • Partnership or General Partnership:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Partnership Agreement or General Partnership Agreement
    • Secretary of State Name Filing
  • Nonprofit Organization:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Meeting Minutes
    • Good Standing: The business must reflect as active and in good standing on the Arizona Corporation Commission website.
  • Organization or Club Account:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year. (If an EIN is being used for the organization or club)
    • Meeting Minutes
    • Name, address and phone numbers for all officers.
What do I do if I lost my credit/debit card?

You can report a lost card 24 hours a day, 365 days per year. Simply call us at 602-683-1000 and we can help you with the best options.

For assistance outside of the hours of 9 a.m. to 6 p.m. or on weekends, you may call Visa directly at 866-599-5615.

Do you still need time to look for your card?
It happens to all of us. We put the card in a “safe place,” but we just can’t remember where that safe place is! You can use our CardPowerTM app to temporarily block the card while you take your time to find your card. 

Ordering a new card:
Once your card is blocked, here’s how you can get a replacement:

  • Visit a branch during business hours to request a new card. All you need is your valid government issued photo ID to complete the process.
    • Please note, we are unable to instant issue cards at a branch for business accounts. 
  • Request a card by mail. Simply contact us and we we’ll be happy to arrange for a card to be mailed to you.

Routing # 322172797

Arizona Financial’s website may provide links to third party sites, independent from Arizona Financial Credit Union. These links are provided only as a convenience and do not constitute an official endorsement of the website or application. Arizona Financial does not manage the operation or content of these third-party websites or applications. The privacy and security policies of the websites or applications may differ from those of Arizona Financial Credit Union.


Arizona Financial Credit Union is committed to making our products and services accessible to all of our members. Your experience is important to us. We strive to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our website, please call us at 602-683-1000 so that we may promptly assist you in getting the information you need in a method that is accessible to you.

Important Notices for website users: Please take note that we track user communications, their digital method of communicating, and whether the user clicked on content after using the general search feature or chatbot. This information may be disclosed to others in accordance with our privacy policy. Also, online banking users accessing our secure site with confidential information is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators may be prosecuted to the fullest extent of the law.

 

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