Member
Resource Center

Do you have questions about your new account, making a payment, or activating other services? You've come to the right place! Here are some resources to help out:

Business Resource Center

New Member Checklist

Get started with these simple steps to start taking full advantage of your account. 

Activate & Use Your Debit Card

Visit ArizonaFinancial.org/Activate or call 866-599-5615

Enroll in Online Banking

Temporary username

  • Your temporary username is your member number. This number can be found at the top left corner of the Membership Application, which is included with your new account documents. If you opened your account online, you also received a welcome email that includes the account number. Your member number can be identified by excluding the first two zeros of the account number in the email.  
  • If your banker instructed you to use our business banking options, your temporary username was emailed to you.

Temporary password/registration code

  • Your temporary password/registration code was provided by the banker who opened the account. If you opened your account online, this information was sent to you by email.
  • If your banker instructed you to use our business banking options, your temporary username was emailed to you.

Additional information

  • We're here to help! Contact us at 602-683-1088, Monday through Friday, from 9 a.m. to 6 p.m. and we'll be happy to help if you're unable to locate your temporary username or password/registration code.
  • Don't forget to visit your app store to download the Arizona Financial app! Most members, including dba and sole proprietor accounts, will use the app for personal accounts. If you were instructed by your banker, download the app for business accounts.
After you've signed up, visit online banking to learn quick tips for managing your finances.
Download the Mobile App

You can download the Arizona Financial mobile app here:

graphic-app-store-badge

google-play-badge

Learn more mobile banking tips for managing your money or making payments or transfers. 

 

Sign Up for Direct Deposit

Access your direct deposit form online!

You can easily access your direct deposit form and information from a desktop computer or laptop. Simply follow these steps:

  1. Log in to online banking from a desktop or laptop device (this form is not available in the mobile app)
  2. Select “Additional Services” from the blue bar at the top of the page
  3. Select “Direct Deposit Form” from the list provided
  4. Within the image of the check, click the dropdown menu to select the account you’d like to receive the deposit into.

If your banker instructed you to use our business banking options, please contact us at 602-683-1728, Monday through Friday, from 9 a.m. to 6 p.m. for assistance as this form is not currently available online in our business platform.

Note: The account number that displays within the check can be used for electronic withdrawals, in addition to electronic deposits.

You may also need our routing number to set up an electronic deposit or withdrawal. Arizona Financial’s routing number is 322172797.

* It generally takes two pay periods for an employer to implement or modify a direct deposit. Please contact your employer for specific timeframes.

Online & Mobile Banking

Convenient account access is never more than a few taps away with our easy-to-use online banking and mobile apps.

Enroll in Online Banking

Get activated with online banking in a few simple steps. 

Enroll in eStatements

Online statements are automatically enabled simply by logging in to your account online or through a mobile device. After you log in for the first time, statements for that account will no longer be mailed.

If you'd like to receive a mailed statement, please contact us and we'll be happy to help make this change.

Download the Mobile App

You can download the Arizona Financial mobile app here:

graphic-app-store-badge

google-play-badge

Learn more mobile banking tips for managing your money or making payments or transfers. 

Managing Your Money

When it comes to managing your personal finances, Arizona Financial believes you should have access to secure and easy-to-use tools for handling the simplest financial needs to complex money management solutions.   

Send Money With Zelle®

With Zelle®, it's simple and secure to send and receive money online or with your mobile app. Its easy to get started:

  • Log in to online banking or the mobile app
  • Select "Send Money with Zelle®" 
  • Select your mobile number or email address and deposit account

That's it! You're ready to start sending and receiving money with  Zelle®

Learn More

 

Make a Mobile Deposit

With mobile deposit, you can deposit checks at your convenience – anytime, anywhere!

To start:

  • Register in the mobile app, by tapping on "Check Deposit" and accept the agreement.
    • We'll process your registration within 1 business day.
  • When you're ready to make a deposit, log in to the app and select "Check Deposit"
  • Enter the deposit amount and tap the camera icon
  • Take a picture of the front and back of the check
  • Select "Deposit" to complete, and a you'll receive a confirmation message.

Learn more

Set Up Online Bill Payment
Manage and pay all your bills through your online account or the mobile app.

To set up:

  • Log in to online banking and select the "Bill Pay" tab.
  • You will be directed to the Bill Pay dashboard. Here you can search for or add a payee (individual or a company).
  • Fill in the information as it appears on your bill. The bill pay system will determine how the funds will be sent (electronically or by check).
  • Schedule your bill payment by selecting your payee, entering the payment amount and selecting your send date.
    • Funds sent by check are usually delivered within 5 business days. Funds sent electronically are delivered within 3 business days.
  • Review the payment information, ensure it's correct and click confirm.
  • Your payment has been successfully scheduled!

Note: scheduled funds will be withdrawn from your account within 48 hours of the "send on" date.

Learn More

Order Checks
Ordering checks is simple.
  • Log in to online banking 
  • Select "Order Checks" under the Additional Services tab
  • You will be  redirected to Harland Clarke,  our trusted partner for check orders

There you can browse check styles, view prices and place your order.

Learn More

Balance vs. Available Balance (Check Hold)

If there is a difference between the account balance and available balance in your checking account, it may be caused by:

Pending Visa® transactions: Have you made purchases with your Visa debit card recently? When debit card transactions are completed without a PIN, the amount of the transaction is placed on hold while the merchant sends us the actual electronic transaction to post to your account.

These holds are generally for 48-72 hours, by which time most transactions have been received. In some cases the hold amount is not the actual purchase amount. For example, hotels and rental car companies often “over-authorize” a fixed amount up-front and then send us the transaction for the actual amount after your stay or rental.

Check deposits: Have you made a deposit by check recently? Due to an increase in fraudulent paper items, many paper checks are put on hold at the time of the deposit until we’re able to ensure the item is valid. The teller should disclose to you if and what holds are being placed at the time of the deposit.

Shared Branch check deposit: All checks deposited at a Shared Branch location are automatically placed on hold for security purposes.

For assistance with the balances in your account, you can reach us 24 hours a day at 602-683-1000.

View All

Manage Your Visa® Debit or Credit Card

Your exclusive Arizona Financial Visa debit or credit card can be used anywhere Visa is accepted.

Benefit from using your reliable and secure tap-to-pay Visa contactless chip card for convenient and touch-free payment at your favorite restaurant, grocery store, coffee shop and more.

Using Your Debit Card
Your personal identification number (PIN)
There are a few ways we can help you obtain a PIN for your card:
  • Send us a secure email from within online banking and we’ll mail you a copy.
  • Bring the card and your government issued photo ID to any branch location and we’ll help you establish the PIN of your choice.
  • Call us at 602-683-1000 and we’ll mail you a copy of your PIN.
For security purposes, Arizona Financial does not have access to your PIN.
Your Debit Card Isn't Working

We’re sorry to hear your card isn't working. Below are a few common reasons transactions may be declined:

  • Visa Fraud Prevention may have declined the transaction for suspected fraud. We recommend calling 866-599-5619 to determine if this was the cause.
  • A limit was set or the card was temporarily blocked using our CardPower™ app.
  • The magnetic strip may be worn or damaged.
  • Insufficient funds for the transaction.
  • An expired card is being used.
  • The card has not yet been activated.
  • A loan on the account is past due, which may limit access to the account.
Please give us a call at 602-683-1000 so we can help resolve the issue.
Using Your Credit Card

Whether you value rewards, low interest rates, or a secured credit card, Arizona Financial offers a Visa® card that will fit your wallet and budget.

Use your credit card anywhere Visa is accepted. Swipe or tap-to-pay at any checkout terminal where you see the contactless symbol.

Use your mobile wallet to pay quickly and securely

  • Leave your wallet in your pocket or purse – or even at home
  • Your Arizona Financial Visa cards are compatible with all the major mobile wallets
  • It’s a safer way to pay because your card number is never shared with the merchant
  • Available at millions of merchants nationwide
How to Dispute a Visa Transaction

It’s easy to file a dispute online for any fraudulent, unauthorized or incorrect debit or credit card transaction.

Submit your dispute through online banking:

  • Log in to online banking (desktop or laptop). This form is not currently available in the mobile app.
  • Select “Additional Services” from the blue bar at the top of the page
  • Select “Secure Forms” from the options provided
  • Select “Dispute a Visa Transaction” and follow the prompts for information
  • Helpful tip! The online banking session will time out after 20 minutes and the form will need to be resubmitted.
  • Give us all of the details! Please use the comment section to tell us what happened so that we can help resolve the issue quickly.
If the transaction is considered fraudulent, the impacted card number will be blocked in order to prevent additional fraudulent transactions.
Increase Your Credit Card Limit

We've designed credit cards that truly reward our members with no annual fee, no fees for cash advances and more!

Visa® Signature Rewards Card
Get cash back. Earn rewards faster.

Minimum credit needed: Good to Excellent


Visa® Platinum Card
Low rates, no annual fee and great rewards.

Minimum credit needed: Fair to Excellent


Visa® Secured Card
Secured with your Arizona Financial account deposits

Minimum credit needed: none

Apply for an increase by:
  • Contacting one of our loan experts at 602-683-1730, Monday - Friday from 9 a.m. to 6 p.m. and Saturday from 9 a.m. to 1 p.m.
  • Completing an application 1
1 Visa® Secured Card members can contact a loan expert during business hours by phone or stop in to the nearest branch.
View All

Report a Lost or Stolen Visa 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

Replace Your Debit Card: You can get your card instantly issued at any one of our branch locations.

Member Resources

Link

Protecting Your Account Information

At Arizona Financial we recognize that our relationships with our members are based on trust. As a member, you trust us with your financial and other personal information, and we are committed to respecting your privacy and safeguarding that information.

Read More
Calculator

Free Financial Calculators

Check out these helpful calculators for all your financial needs. Calculate a loan payment, see how fast you can pay off your debts, and even see how long it will take to become a millionaire.

Read More
Link

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. 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 dos and don’ts to help you protect your accounts and information from scams and identity theft.

Read More

How Can We Help?


 

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.

 

©2024 Arizona Financial Credit Union