Available to Arizona residents, OneAZ is offering a $200 welcome bonus when you open a new personal checking account and use your debit card. That's pretty much it, a very easy bonus to earn. It's worth noting that this is $100 lower than the last time it was offer since the direct deposit requirement is gone, but OneAZ doesn't offer bonuses often, so I'd jump on it now if you are eligible.
How To Earn The Bonus
The OneAZ Personal Checking promotion requires you to make purchases using the account's card in order to earn the $200 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the credit union will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
- Offer available only to new OneAZ Credit Union members who are permanent residents residing in Arizona.
- Offer is not available to existing OneAZ Credit Union members or those who have closed their membership within the past 12 months.
- If the checking account is closed by the member or by OneAZ Credit Union within 6 months after opening, bonus amount will be deducted from the account at closing.
Open a Personal Checking account before the bonus expires on March 31, 2025
How does this personal checking offer from OneAZ compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
Truist
Truist One Checking
- Bonus
- $400
- Account Type
- Personal Checking
- Expires In
- 39 days
- Requires
- Direct Deposit
BMO
Personal Checking
- Bonus
- $350*
- Account Type
- Personal Checking
- Expires In
- 41 days
- Requires
- Direct Deposit
TD Bank
Beyond Checking
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 100 days
- Requires
- Direct Deposit
Why OneAZ Credit Union?
Benefits Checking
Benefits Checking, as the name implies, comes with extra benefits, including: a 0.25% APR discount on Auto, RV, Power Sports and Boat loans, access to credit monitoring with alerts, ID theft restoration and access to dark web monitoring with alerts. To earn interest, you'll need at least $1,000 in your account.Fees
Benefits Checking charges a monthly maintenance fee of $5.
Free Checking
Fees
Free Checking does not charge a monthly maintenance fee.
Premium Checking
Premium Checking offers tiered interest depending on your balance; to earn the minimum, you'll need at least $1,000 in your account.Fees
Premium Checking does charge a monthly maintenance fee of $12, but there are ways to get this waived:
- Maintain a $15,000+ aggregate in deposit and loan balances.
- OR, maintain a $5,000 daily average balance in the checking account
Apply now for a Personal Checking account to earn the $200 bonus offer
How to Join OneAZ Credit Union
Credit unions differ from banks in that they restrict membership based on a shared common bond, or the credit union’s “field of membership”.
That means in order to qualify for this bonus (or any offer from a credit union), you'll first need to meet one of OneAZ's membership requirements:
- Live in Arizona
- Be related to an existing member.
- Work for a qualified employer
- Faculty, Staff, Students and Alumni of select Arizona Universities, you are eligible for membership.
Keep in mind that nearly all credit unions have a "once a member, always a member" policy, so once you're in, the above restrictions no longer apply.
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