Checking Accounts

We know one size doesn’t fit all – that’s why we’ve designed a checking account that’s as unique as you are. That matches the way you conduct your personal finances!

One size doesn’t fit all:

Checking Options

Personal
Checking Account

We are so confident you’ll love our checking accounts, we’ll give you $200 just to try!*

Overdraft & Identity Protection

Saving you the inconvenience, embarrassment and added expense of overdrafts. These include fees for insufficient funds, late payments or returned items.

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What is a Checking Account?

A checking account is a type of bank account that lets you easily deposit and withdraw money. Sometimes called a transactional account, these are accounts for daily purchases, bills and all the other things that make your financial life go round.

Checking Account vs Savings Account

The main difference between a checking account and a savings account is the ease of transactions. Savings accounts are meant to save, meaning you’re unlikely to pay for groceries with that account. A checking account, on the other hand, is made for easy use. Both types of accounts allow you to use your money—it’s yours!

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How Do I Open a Checking Account?

Opening a checking account at Arizona Central is easy. Simply apply online or visit your nearest branch.

Why Arizona Central Credit Union?

Since 1939, we’ve proudly served Arizona with, offering benefits regular banks just don’t have. From overdraft protection to lower banking fees, we aim to give you a better experience at every step.

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Checking Account FAQs

Choosing the best checking account for you can depend on how you weigh a variety of factors. This can be influenced by fees, convenience, insurance, and your account balance.

We can help you determine how to choose a checking account.

Here’s a list of the most common types of checking accounts you’ll find at almost every bank, credit union or other financial institution.

Standard checking account – This is simply used to deposit and withdraw money.
Interest checking account – This allows you to earn monthly interest on the funds in the account.
Rewards checking account – This type of checking account provides basic features with additional benefits to incentivize customers to use them.
Cash-back checking account – A cash-back account is another type of checking account that helps your money work for you.

Interest checking accounts allow you to earn monthly interest on the funds in the account.

There is no limit on the number of checking accounts a person can have.

The requirements to open a checking account can vary depending on the bank or credit union.

Common basic requirements include identification documents such as a valid driver’s license or government ID, Social Security Number, and in some cases an initial deposit.

Find a Branch Near You Today!