Check out the latest OneAZ Credit Union promotions, bonuses, and offers here.
Update 6/13/25: There is currently a $200 checking bonus available through 6/30/25. For Arizona residents, we recommend the BMO Checking.
About OneAZ Credit Union Promotions
Established in 1972, OneAZ Credit Union is the 2nd largest credit union in Arizona and now has 22 locations across the state where you can take advantage of bank bonuses, CD rates as well as bank rates. Additionally, the credit union has a range of services and features for you to take advantage of!
| Eligibility: Membership in OneAZ Credit Union is open to those who live or work in anywhere in Arizona. For more information on eligibility requirements please check out their full list of membership requirements. |
I’ll review the current OneAZ Credit Union promotions below.
OneAZ Credit Union $200 Checking Bonus
OneAZ Credit Union is offering a $200 bonus when you open a new qualifying checking account.
- What you’ll get: $200 bonus
- Account Type: Checking Account
- Availability: AZ (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500
- Monthly Fee: None
- Household Limit: One
- Closing Account Fee: Bonus will be forfeited if closed in six months.
(Expires 06/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
Get The Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a new checking account using your promo code. If applying from this page, promo code is automatically added. If applying in-branch or over the phone, you will need to mention promo code CHK-227 to get your bonus.
- Make qualifying transactions. Use your OneAZ Debit Card to make 20 qualifying transactions.
- Receive your $200 checking bonus. The $200 bonus will be deposited into your account following 15 days of meeting all criteria.
- Promotional Eligibility: Offer available only to new OneAZ Credit Union Members who are permanent residents of Arizona. Membership eligibility requirements apply and may be found at OneAZcu.com/Membership. Offer is not available to existing OneAZ Credit Union members or those who have closed their membership within the past 12 months. Must be 18 years or older to participate. New member must use promotional (promo) code at account opening when applying for a checking account.
- Bonus/Account Information: To receive the $200 bonus, you must 1) Establish a membership with a Share Savings account and open a NEW checking account AND 2) use your OneAZ Debit Card to make 20 qualifying transactions within the first 60 days of account opening to qualify. The debit card purchases must post and clear the account to count towards the spend requirements.
- Important Information: After all the requirements listed above have been met, the bonus payment will be deposited into your new checking account within 15 business days. The checking account must be open and in good standing with a balance greater than $0.00 to be eligible for the cash bonus. ??Bonuses are considered dividends and will be reported on IRS form 1099-INT (or Form 1042-S), if applicable. This offer is not transferable and cannot be combined with any other promotions.
- Only one bonus payment may be received per member per year.
- Account Closure: If the checking account is closed by the member or by OneAZ Credit Union within 6 months after opening, we will deduct the bonus amount from the account at closing.
- Offer valid through June 30, 2025.
- Terms subject to change at the discretion of OneAZ Credit Union. OneAZ Credit Union reserves the right to change or discontinue the $200 bonus program at any time without prior notification.
OneAZ Credit Union $300 Checking Bonus (Expired)
You can receive a $300 bonus from OneAZ Credit Union when you open a new student checking account.
- What you’ll get: $300 bonus
- Account Type: Checking Account
- Availability: AZ (Bank Locator)
- Direct Deposit Requirement: Yes, $1,000 or more for two months (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500
- Monthly Fee:$7, avoidable
- Household Limit: None listed
- Closing Account Fee: Bonus will be forfeited if closed in six months.
(Expires 06/30/2024)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To receive the $300 bonus, you must,
- 1) Establish membership and open a NEW checking account AND
- 2) Set up recurring monthly direct deposit of $1000 or more within 60 days of account opening.
- Bonus/Account Information: To receive the $300 bonus, you must, 1) Establish membership and open a NEW checking account AND 2) Set up recurring monthly direct deposit of $1000 or more within 60 days of account opening. Direct deposits will be verified for two consecutive months to be eligible for the bonus. Only one bonus payment may be received per member per year. Terms subject to change at the discretion of OneAZ Credit Union.
- Promotional Eligibility: Offer available only to new OneAZ Credit Union Members who are permanent residents of Arizona. Membership eligibility requirements apply and may be found at OneAZcu.com/Membership. Offer is not available to existing OneAZ Credit Union members or those who have closed their membership within the past 12 months. Offer subject to change. New member must use promotional (promo) code at account opening when applying for a checking account.
- Important Information: Your direct deposit must be an electronic deposit of your paycheck, investment account, pension, or government benefits (such as Social Security) from your employer or government agency. Person to Person payments (such as Venmo or PayPal) are not considered a direct deposit. After all the above requirements have been met, we will deposit the bonus payment into your new checking account within 15 business days.
- Bonuses are considered dividends and will be reported on IRS form 1099-INT (or Form 1042-S), if applicable. This offer is not transferable and cannot be combined with any other promotions.
- Account Closure: If the checking account is closed by the member or by OneAZ Credit Union within 6 months after opening, we will deduct the bonus amount from the account at closing.
- Offer valid through June 30, 2024.
- Terms subject to change at the discretion of OneAZ Credit Union. OneAZ Credit Union reserves the right to change or discontinue the $300 bonus program at any time without prior notification. Cannot be combined with any other promotion. Must be 18 years or older to participate.
OneAZ Credit Union $100 Checking Bonus (Expired)
Receive a $100 bonus when you open a student checking account.
You can receive a $100 bonus from OneAZ Credit Union when you open a new student checking account.
- What you’ll get: $100 bonus
- Account Type: Student Checking Account
- Availability: AZ (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500
- Monthly Fee: None
- Household Limit: One
- Closing Account Fee: Bonus will be forfeited if closed in six months.
(Expires 12/31/2022)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open your OneAZ Student Checking account.
- Valid application must be presented to OneAZ associate in-branch or at Student Union orientation booth. Offer valid to NAU students with valid and current student identification.
- $100 awarded in branch at time of debit card activation. Bonuses are considered dividends and will be reported on IRS form 1099-INT (or Form 1042-S, if applicable). New OneAZ Free Checking account required.
- $100 awarded in branch at time of debit card activation.
- Bonuses are considered dividends and will be reported on IRS form 1099-INT (or Form 1042-S, if applicable).
- New OneAZ Free Checking account required.
- Offer not valid to existing members.
- Valid application must be presented to OneAZ associate in-branch or at Student Union orientation booth.
- Offer valid to NAU students with valid and current student identification.
- Offer expires December 31, 2022.
OneAZ Credit Union $500 Checking Bonus (Expired)
Earn a $500 bonus when you open a new checking account.
When you open a new checking account and meet the requirements, you can earn a generous $500 bonus from One AZ Credit Union.
- What you’ll get: $500 bonus
- Account Type: Checking Account
- Availability: AZ
- Household Limit: None listed
- Closing Account Fee: If the checking account is closed by the member or by OneAZ Credit Union within six months after opening, we will deduct the bonus amount from that account at closing.
(Expired)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a checking account with OneAZ Credit Union
- Have monthly direct deposit(s) totaling $1,000 or more made to this account within 60 days of account opening.
- Finally, the $500 bonus will be deposited into your account within 30 business days of completing qualifying direct deposit events.
- Bonuses are considered dividends and will be reported on IRS form 1099-INT.
- This offer is not transferable and cannot be combined with any other promotions.
- Qualifying monthly direct deposits must continue in the account for a minimum of 6 months.
- Offer available only to new OneAZ Credit Union members who are permanent residents residing in Arizona.
- However, the applicant must meet the OneAZ Credit Union eligibility requirements.
How to Avoid Monthly Fees
- Free Checking: No monthly fees
- Benefits Checking: $5 monthly fee
- Premium Checking: $12.00 monthly fee waived if you:
- Hhave $15,000+ aggregate in deposit and loan balances OR
- Maintain a $5,000 daily average balance in the checking account
- Small Business Checking: No monthly fee
- Business Checking: $10 monthly fee waived if you:
- Maintain monthly average deposit balance of $5,000 or more OR
- Maintain average combined aggregate business deposit balance of $25,000 or more
- Business Premium Checking: $25 monthly fee waived if you:
- Maintain monthly average deposit balance of $25,000 or more OR
- Maintain average combined aggregate business deposit balance of $100,000 or more
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Bottom Line
Lastly, the bonuses from OneAZ Credit Union are very generous, so be sure to check it out before it expires. The $500 checking bonus is especially attractive and is rather easy to earn. However, be sure to find out if it triggers a hard or soft pull.
*Compare OneAZ Credit Union Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citibank, and more!*
Furthermore, check back on this page for updated OneAZ Credit Union promotions, bonuses, and offers.
One AZ CU says that the $500 promo ended aug31,2020
OneAZ bank allows up to $500.00 credit card funding and uses soft-pull credit check.