Your best choice for Free Checking!

At Arizona Financial, get all the account essentials you need – like mobile banking, Zelle® and overdraft services – with no monthly service fee.

Open An Account

Open Your Free Checking Now:

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Get Our Best Free Checking Account

Our Free Checking Account1 has all the everyday account essentials you need – with no minimum balance requirement or monthly fee. 

  • Instant issue debit cards
  • Mobile banking with mobile deposit
  • Zelle® access from your account to send & receive money quickly. (Ages: 18+)
  • Overdraft services in case you don't have the funds in your account to cover a transaction. (Ages: 18+)

Additional Account Features

  • Free Bill Pay (Ages: 18+)
  • 30,000+ ATMs, surcharge free
  • Cash Back debit card offers  
  • CardPower™ mobile app – an on/off switch for your debit card
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Grab a debit or credit card to make a $20 deposit, a valid driver's license, state ID card, or passport and you'll be ready to open our account today!

Open An Account

1. No monthly service fees. All standard fees may apply, 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 

What You Need to
Open Your Account Today!

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  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.

Open An Account
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

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How to Enroll in Overdraft Protection

Overdraft Protection can prevent your debit card from being declined at point-of-sale transactions and can prevent you from "bouncing" checks. Setting up ODP ensures your Checking Account transactions process from the available money you have in both your checking and saving accounts.

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How to Order a Replacement Debit Card

If you've lost your debit card, or if it's gotten worn out from use, you can easily order a replacement card. You can also conveniently pick up a replacement debit card from any of our branch locations. If you've lost your debit card, or think it might be stolen, it's important that you notify us immediately.

Read More
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 accounts 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.