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.
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.Rate
Rate
Rate
Rate
Rate
*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.
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!
Additional Resources
5 Steps That Make Financial Adulting Easier
Turning 18 opens the doors to a lot of responsibility! While there’s no secret to successful adulting, taking five financial steps as you enter young adulthood is a smart way to build a solid foundation for your future.
Read MoreAll You Need to Know About P2P Payment Apps
These days there are so many ways to pay besides cash or card. Peer-to-peer (P2P) money transfer services like PayPal, Zelle and Venmo make it super-convenient to split expenses and send money to friends and family.
Read MoreHow 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 savings accounts.
Read MoreFrequently Asked Questions
Can I open a checking account online?
Yes, new members ages 18+ can open a checking account online with our online application.
How do I access mobile banking for my account?
To access mobile banking, download the Arizona Financial app from the App Store or Google Play.
Learn more about mobile banking and mobile deposit at ArizonaFinancial.org/Mobile-Banking.
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.
What is Overdraft Protection?
Our standard ODP program covers your checks and automated payments when your checking account doesn’t have the funds available. This service is available on all eligible checking accounts.
ODP for debit cards – You must opt-in if you would like this service that covers your everyday debit card transactions when sufficient funds are not available.
There are no fees to sign up. If you never use Overdraft Privilege, you will never be charged a fee. Each Overdraft Privilege transaction approved for payment will be assessed a $35 fee.
For more information visit, ArizonaFinancial.org/Overdraft