Best Banks in Arizona
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Looking for a new bank in Arizona? This helpful guide to the best banks in Arizona will make choosing easy.
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Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
BMO Smart Advantage Checking Account and BMO Smart Money Checking Account - Earn $300 Cash Bonus*
$300 Cash Bonus* when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. *Conditions Apply. Available in the U.S. BMO Bank N.A. Member FDIC
Choosing the right bank doesn't have to be hard. But it is a decision that you shouldn't take too lightly.
After all, your bank will be a part of your financial future as well as your everyday life. And your ideal bank will ultimately depend on your own individual needs.
In this guide, you'll find the best banks in Arizona, for checking, savings, and even budget-friendly bankers.
Best Banks in Arizona
We looked at a range of features to ensure you could identify the best bank to suit your needs. Convenience, priorities, and services are all major factors.
Now let's dive in and look at the top banks in the state.
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2024.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or
Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Silver Business Checking account - $400 Bonus
Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.
Bank of America: Best Overall
For Arizona residents who want the option to visit a physical branch and get in-person support, consider Bank of America, one of the largest banks in the U.S. serving retail customers.
One of the biggest perks to working with a national bank is convenience. Bank of America has more than 100 branches across Arizona, which means it's easy to find an ATM when you need one.
And since they're a big bank, they offer an extensive range of financial products as well. They have a range of checking and savings options for customers of all types.
Bank of America Advantage SafeBalance Banking® is a great start for students and young adults, and the fee is waived for those under 25 years old, or if you maintain a minimum daily balance of $500 or more in your account. There are no overdraft fees either.
Bank of America Advantage Plus Banking® offers overdraft protection and will waive the $12 monthly fee for a few easy requirements.
Bank of America Advantage Relationship Banking® account will accrue interest, monthly service fee is waived when you maintain a minimum daily balance of $20,000 in your account during each statement cycle.
You can also avoid monthly maintenance fees for eligible Bank of America checking and savings accounts by being a member of the Bank of America Preferred Rewards® program.
Their savings APY won't be as high as an online bank, but they do offer a wide range of other products, including credit cards, home and auto loans, and investing through Merrill.
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo: Best National Bank
When it comes to choosing a bank to give your business, there's a lot to consider, but one of the biggest factors is convenience. In the state of Arizona, there aren't many banks with more locations than Wells Fargo, which has 260 branches in the Grand Canyon State.
Wells Fargo customers get access to a wide range of useful banking services including checking and savings accounts, CDs, credit cards, home loans, and more.
And in addition to their personal banking options, they are also an excellent choice for small business owners, recognized as a top small business lender by the Small Business Administration (SBA).[1]
Personal Checking Account - $300 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening (qualification period). Bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
Personal Checking Account - $125 Bonus
Open a new qualifying consumer checking account. Make 10 or more qualifying transactions posted to the new checking account within 60 days of account opening. This offer is for new checking account customers only.
Savings Account - $525 Bonus
Open a new eligible consumer savings account. Provide the bonus code at account opening. Bonus code can be obtained by providing your email address. Deposit $25,000 or more in new money to the savings account within 30 days of account opening. Maintain at least $25,000 in the account until 90 days after account opening.
Personal Checking Account - $325 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening (qualification period). Bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
PNC Bank: Best for Checking and Savings
PNC Bank, which previously operated as BBVA in Arizona, has good options for both checking and savings accounts, meaning it's a versatile choice for people with a range of needs.
There is no minimum deposit to open a PNC Bank Standard Savings Account but it requires a balance of at least $1 to earn interest.[2]
However, their standard savings account interest rates are low. Their High Yield Savings account with a more competitive rate is only available to eligible markets. If you're looking for a higher interest rate, consider an online bank like Ally.
With their online checking account, the PNC Bank Virtual Wallet, it's easy to track deposits to your account as well as when you need to pay bills, and you'll even get warnings when you're at risk of overdrawing.
PNC does charge a $5 monthly service fee for a Standard Savings Account, but you can get it waived in several ways, such as keeping a minimum of $300 in your account. The fee is also waived for customers under 18.
Their customer service reportedly leaves something to be desired, as it's limited to certain hours during the workweek. For in-person support, you can also visit one of their branches.
Virtual Wallet with Performance Select Checking - $400 Bonus
Open a new Virtual Wallet with Performance Select checking account and make qualifying direct deposits totaling $5,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Virtual Wallet Checking Pro - $200 Bonus
Open a new Virtual Wallet Checking Pro online. Set up and receive qualifying direct deposits totaling $2,000 or more within 60 days of account opening.
Virtual Wallet with Performance Spend Checking - $200 Bonus
Open a new Virtual Wallet with Performance Spend checking account and make qualifying direct deposits totaling $2,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Virtual Wallet Checking - $100 Bonus
Open a new Virtual Wallet checking account and make qualified direct deposits totaling $500 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
PNC Investments Managed Account - Up to $5,000 Bonus
Fund a new or existing PNC Investments Managed Account with eligible assets within 30 days of new account opening or by November 22, 2024 for existing accounts. Maintain the net deposit amount in your PNCI Managed Account for 12 months or more.
| Investment Amount | Bonus |
|---|---|
| $25,000-$49,999 | $125 |
| $50,000-$99,999 | $250 |
| $100,000-$174,999 | $500 |
| $175,000-$249,999 | $1,000 |
| $250,000-$374,999 | $1,500 |
| $375,000-$499,999 | $2,250 |
| $500,000-$749,999 | $3,250 |
| $750,000+ | $5,000 |
Chase: Best for Checking
For those Arizonans who value ease and convenience, Chase offers a powerful combination of brick-and-mortar access with over 200 branches and digital tools thanks to their user-friendly mobile banking app.
Chase has one of the largest numbers of branches and ATMs in the state, as well as the rest of the US, meaning that you'll always have access to your money, both at home and on the road.
Through the mobile app, you can pay bills, send money, deposit checks on the go, and much more, all secured with facial recognition, fingerprint sign-in, and high-tech encryption.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase College Checking℠ - $100 Bonus
- Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- $0 Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
- Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
- Zelle® is available in more than 1,000 banking apps in the U.S. So, you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly.
- JPMorgan Chase Bank, N.A. Member FDIC
Chase Private Client Checking℠ - Up to $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch to get started.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker and 24/7 access to a U.S. based banking service line.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000. - No fees at Chase and non-Chase ATMs worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Preferred rates and perks which may make you eligible for a 0.25% auto rate discount and invitation-only events.
- Enhance your Chase relationship with access to a dedicated J.P. Morgan Private Client Advisor who can help create a personalized investment strategy.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
BMO: Best Economical Checking
Looking for a low-cost checking account? Then you might consider BMO.
First, their BMO Smart Advantage Checking offers unlimited transactions and no fees.
Next, the BMO Smart Money Checking is free to use if you're under 25. For everyone else, there is a modest $5 monthly maintenance fee, but no overdraft fees.
For even more perks, the BMO Relationship Checking offers free transactions even at out-of-network ATMs, Mastercard ID Theft Protection on a BMO Debit Mastercard, and earns interest.
The minimum deposit with BMO is $25, and they also offer a range of other services, including savings accounts and CDs, home and auto loans, retirement accounts, credit cards, and more.
BMO Smart Advantage Checking Account and BMO Smart Money Checking Account - Earn $300 Cash Bonus*
$300 Cash Bonus* when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. *Conditions Apply. Available in the U.S. BMO Bank N.A. Member FDIC
MidFirst Bank: Best Customer Service
If customer service is your primary concern, then MidFirst Bank may be the right option for you.
MidFirst Bank ranked top in the Southwest in J.D. Power's U.S. Retail Banking Satisfaction Study, which considers factors like fee structures, product versatility, and problem-solving capability.[3]
Keep in mind, MidFirst Bank is based in Oklahoma and operates just over 20 branches in Arizona, so it may be a little harder to find a branch near you compared to major banks like Bank of America or PNC.
They offer a range of services including:
- Free online checking accounts
- Interest-earning checking accounts
- Money market accounts
- Traditional savings accounts
- Kids savings account (designed for kids 17 and under)
- CDs
- IRAs
- Credit cards
- Home, auto, and equity loans
- Investment services
Note: The checking and savings accounts all require a $100 minimum deposit.
Other Banks to Consider
If none of the banks above are the right fit for you, that doesn't mean that there aren't any other options, or even any good ones.
Let's take a look at some solid options for other banks you should give your consideration if you're looking for options in Arizona.
US Bank
US Bank is one of the largest banks in the United States and it has a lot to offer its customers.
While it doesn't have the largest number of branches in Arizona, it does have nearly 60 locations spread around the state.
Their savings rates are moderate, with the best offered for their longer term CDs, and customers also get access to useful services like checking and savings accounts, credit cards, investment and retirement accounts and more.
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Silver Business Checking account - $400 Bonus
Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.
Platinum Business Checking account - $900 Bonus
Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2024 and 1/15/2025. You must make deposit(s) of at least $30,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $30,000 until the 60th day after account opening.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.
U.S. Bank Payment Solutions - Earn up to $1,000 in 3 months
Earn up to $1,000 in 3 months when you open a new Payment Solutions account with U.S. Bank.
Power your business with U.S. Bank merchant services. Our merchant services accounts do more for your business - securely accept payments, gain access to funds within hours, customize your solutions and connect with us 24/7 if you have a question. Member FDIC.
Offer:
- Open account between 8/15/2024 and 1/15/2025
- Account must be in active status and settling card payments at the time monthly statement credits are applied
- Get merchant fees refunded up to $1,000 over three months
Platinum Business Money Market Account - Up to 3.50%
Receive a bonus interest rate up to 3.50% from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations. Member FDIC.
Offer is limited to Business Platinum Money Market account only. Standard variable interest rates are determined at the bank's discretion and are subject to change at any time without notice. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. The minimum deposit required to open a Platinum Business Money Market account is $100.
Interest and Fee Information: You must maintain the minimum balance needed for each tier to earn the interest rate. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account. Other restrictions may apply.
Offer details: Starting September 23, 2024, open a new U.S. Bank Platinum Business Money Market account and receive a bonus interest rate from the account opening date. All Bonus interest rates may change at any time without notices. The following bonus interest rates are accurate as of today:
- The bonus interest rate will be 3.50% when your account balance tier is $25,000 to $2,999,999.99.
For Platinum Business Money Market accounts with $3 million or greater in balances, the bonus interest rate does not apply, and the full account balance will earn the standard variable interest rate in effect at that time until the account balance is $2,999,999.99 or below.
U.S. Bank Smartly® Savings account
- Competitive interest rates to grow your savings.
- Unlock even higher rates with an eligible checking account and combined qualifying balances.
- Waive your monthly maintenance fee when you maintain a U.S. Bank Smartly® Checking or Safe Debit account.
- Access to easy-to-use digital budgeting tools to help you monitor all your accounts and set clear financial goals.
Member FDIC.
WaFD Bank
WaFD Bank is a smaller Seattle-based bank with around 30 locations in Arizona, and over 200 branches spread around 9 western states.
Despite its smaller size, there's a lot to like about WaFD Bank, including a free checking account, an interest-bearing checking account, savings accounts for kids and teens, and more.
How to Choose the Best Bank in Arizona
Just like you're laying down roots in Arizona, your money also needs a financial home. Here's what to consider when choosing the right bank:
Accessibility
Convenience is key. Choose a bank with branches close to your home and work, so you have easy access to ATMs and in-person support.
Checking and savings accounts
Pick a bank with the accounts and features you need. For example, some banks' checking accounts may have overdraft assistance or free budgeting tools.
Monthly fees
Some banks (especially traditional banks) charge a monthly fee unless you maintain a certain minimum balance or meet other criteria. This doesn't have to be a dealbreaker, as long as you can easily meet the requirements.
Additional services
Looking for more than banking? Banks usually also offer credit cards, loans, investment tools, and small business products. Look into the bank's other services if you want a one-stop-shop.
Bottom Line
It isn't hard to find a good bank in the state of Arizona if you know what you're looking for. For nationwide access and the widest range of banking options, consider a national bank like Bank of America.
If a combination of services is your desire, consider a versatile bank like PNC. If convenience is your main concern, you'll probably want to go with a big national bank like Wells Fargo, Chase, or US Bank.
For low-cost checking options, consider BMO or a smaller bank like WaFD.
If customer service and a friendly touch is what you're looking for, MidFirst Bank may be right for you, as long as they have a branch in your area.
References
- ^ U.S. Small Business Administration. 100 most active SBA 7(a) lenders, Retrieved 5/7/2022
- ^ PNC Bank. Consumer Schedule of Service Charges and Fees Standard Savings, Retrieved 5/7/2022
- ^ "J.D. Power U.S. Retail Banking Satisfaction Study": J.D. Power, 2019.
Jeremy Harshman is a creative assistant at CreditDonkey, a bank comparison and reviews website. Write to Jeremy Harshman at jeremy.harshman@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
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