Free Checking for
Young Adults with Early Pay!

Get our best checking account designed to keep up with your busy life – with Early Pay Deposit, mobile banking & free credit monitoring.

 

Open An Account

Checking Account Options

You'll find the best checking account options with no service fee.* Select the right one for your needs today.

Monthly service fee*

$20 minimum opening deposit

$0 Ages: 13-17

ID Protect with dark web monitoring

Ages: 18+

Early Pay Deposit

Earns dividends

Overdraft services

Ages: 18+

Premier
Checking

Our most popular checking account with all the account essentials & more!

$9 or $0
(with waivers)

Free
Checking

Everyday checking essentials & no monthly service fee.

$0

Additional Account Features

Zelle

Ages: 18+

Mobile & online banking

Mobile deposit

Bill Pay

Ages: 18+

Debit card on/off switch

Cash back debit card offers

Checking Account Options

You'll find the best checking account options with no service fee.* Select the right one for your needs today.

Premier
Checking

Our most popular checking account with all the account essentials & more!

Monthly service fee*

$20 minimum opening deposit

$0 Ages: 13-17

ID Protect with dark web monitoring

Ages: 18+

Early Pay Deposit

Earns dividends

Overdraft services

Ages: 18+

Zelle

Ages: 18+

Mobile & online banking

Mobile deposit

Bill Pay

Ages: 18+

Debit card on/off switch

Cash back debit card offers

$9 or $0
(with waivers)

Free
Checking

Everyday checking essentials & no monthly service fee.

Monthly service fee*

$20 minimum opening deposit

$0 Ages: 13-17

ID Protect with dark web monitoring

Ages: 18+

Early Pay Deposit

Earns dividends

Overdraft services

Ages: 18+

Zelle

Ages: 18+

Mobile & online banking

Mobile deposit

Bill Pay

Ages: 18+

Debit card on/off switch

Cash back debit card offers

$0

* No monthly service fee for Free Checking. Premier Checking monthly service fee waiver criteria: Direct deposits totaling at least $1,500 per month or $3,000 average daily checking account balance or under 25 years old. On both Premier and Free Checking, all standard fees may apply, including stop payment fees, non-sufficient funds fees, out-of-network ATM fees, and overdraft privilege services. For current fee schedule, visit ArizonaFinancial.org/Disclosures 

Premier Checking Rates

Premier Checking is available for all eligible members including young adults ages 18-24 years old.
Minimum to Earn APY
Dividend
Rate
APY*
Minimum to Earn APY
$25
Dividend
Rate
0.06%
APY*
0.06%
Minimum to Earn APY
$1,000
Dividend
Rate
0.10%
APY*
0.10%
Minimum to Earn APY
$10,000
Dividend
Rate
0.12%
APY*
0.12%
Minimum to Earn APY
$25,000
Dividend
Rate
0.15%
APY*
0.15%
Effective May 1, 2024

*Annual Percentage Yield. Minimum opening deposit is $20. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

*Annual Percentage Yield. Minimum opening deposit is $20. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

Start Your
Young Adult Checking Application:

Our Best Checking Account for Young Adults

Our Premier Checking Account is a great choice for young adults 18-24 years old! With Premier Checking, there's no minimum balance requirement or monthly fee.

  • Early Pay Deposit means you can get your payroll deposits up to two days early!
  • Zelle® lets you send & receive money quickly right from your account.
  • Identity theft protection services with credit monitoring & dark web monitoring. Activation required.
  • Earn monthly dividends on balances of $25 or more.
  • Overdraft services in case you don't have the funds in your account to cover a transaction.
young-man-looking-at-phone

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
teenage girl with mobile phone smiling

Protect Yourself With CardPower

Our CardPowerTM App provides another layer of protection for your Checking Account. Use it to remotely turn your debit card on or off or block where and how your card can be used. The CardPowerTM App is available for Android and Apple devices. 

Learn More