[AZ Only] Arizona Financial Credit Union $319.36 Checking Bonus

Update 10/1/24: Bonus now $319.36 with promo code  319BONUS

Update 8/5/24: Bonus is now $219.36 and promo code is  219BONUS. 

Update 1/8/24: Bonus now requires a direct deposit.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Must live, work or worship in Coconino County, Gila County, La Paz County, Maricopa County, Mohave County, Navajo County, Pima County, Pinal County, Yavapai County, Yuma County
  • Direct deposit required: No
  • Additional requirements: 10 debit card transactions
  • Hard/soft pull: Soft pull
  • ChexSystems: No
  • Credit card funding: Up to $200
  • Monthly fees: None
  • Early account termination fee: Unknown
  • Household limit: None
  • Expiration date: None

The Offer

Direct link to offer

  • Arizona Financial Credit Union is offering a $219.36 checking bonus when you open a new checking account and complete the following requirements:
    • Use promo code 219BONUS
    • establish recurring direct deposit(s) with a combined total of $1,000 or more per month
    • have an account balance of $500 or more on the 60th days after the account is opened.

The Fine Print

  • To qualify for $200 bonus, you must open a Checking Plus account and be 18 years of age or older and a brand-new member with no existing account relationships with Arizona Financial, as determined by having a unique Social Security/Tax Identification Number not on record with the credit union.
  • Former members may qualify as a new member if previous accounts were closed 12 or more months prior to new open date.
  • Bonus will be paid approximately 15 days after completing 10 debit card purchase transactions.
  • Debit card purchase transactions must be completed and posted to the new member’s account within 45 days of account opening.
  • Transactions in a pending status do not qualify.
  • All bonuses are considered income and will be reported on IRS Form 1099-MISC.
  • This promotion cannot be combined with any other offers.
  • Limit one new member bonus per person.
  • Business, indirect borrower, fiduciary, voting accounts do not qualify.
  • Only Arizona Financial members in good standing qualify for this program.
  • Must meet membership eligibility requirements.
  • Terms and conditions subject to change without notice. Offer may expire at any time.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF.

Our Verdict

Seems like a really easy bonus to meet the requirements for if you’re in an eligible area. Donation method doesn’t seem to work to apply out of state.

Hat tip to Bockrr

Useful posts regarding bank bonuses:
    William Charles
  • On October 1, 2024, 19:59
Tags: az bank bonusesdirect deposit not requiredsoft pull

View Comments (351)

  • OOS applied after donating $15 to Local First Arizona, application went to Pend. Spoke to Customer Service to remove the pend as I already paid Membership fee.
    Got Chex alert and then application got declined.

  • DP here:

    I had some real DDs, but not enough to get $1000/month, so I supplemented it with Wise transactions (using Payroll as the reference ID). It's a very good option if you have the money but no other DD available.

    If they closed your initial account and opened a different one for you (because they accidentally gave you the wrong type of account), CALL THEM and make sure you get the promo code applied to your new account!

    I did that, and they confirmed that I did satisfy the $1000/month DD requirement for both months (even with the Wise payments), so as long as I have $500 in my account on the 60th day (which I will), I'll get the bonus within 15 days of then.

  • another DP
    11/19/24 went in branch and got denied
    only had one account open the day before and the one account before this was 10 years ago. RIDICULOUS...STAY AWAY...

  • 8/6/24 Open an account as OOS (California) by making a donation to Local First Arizona
    9/6/24 Real recurring DD
    10/31/24 No bonus since I met all the requirements. I sent an SM and was told the bonus code didn't attach to my account and that I needed to reach out to a different department on what to do next.
    11/5/24 Received $219.36 as the agent was able to manually deposit the bonus to my account

  • 10/11/24 went in branch today and got denied
    banker refer me to the back office and the guy on the phone said due to chex
    they soft pull from transition according to the person that was helping me.
    Said adverse action notice will be mailed in.
    RIP

  • Earlier today called in and was told online app system is back working but person didnt seem to confident. So I would call in before online applying.

    Applied and approved in footprint online. Was able to make login and fund, but the application got stuck processing after that. Received approval/welcome emails, able to login, see my cc funding posted and linked an external bank account. So far so good, but need to check later if I was hit for 2 chex pulls, since my app on wed was approved then closed.

  • Update-
    Called again and confirmed from CSR and she advised to not apply again online unless system issue (because of the new deposit products they launched two days back) is resolved for at least one day or two. If you apply, it will be a waste of chex and they confirmed that they can't roll back the inquiry even though it was a system glitch.

  • Applied OOS by donating $15. Like others in the thread, it prompted me to call for further verification in the middle of application, did a quick call with CSR, after that got an email from bank to proceed with application. It went to the last step where you need to fund the account and then it kept showing error
    "Did you forget something? A minimum $20 deposit is required to open your checking account."
    Called CSR again and they said they need to close my account unfortunately because it is a dummy account which is a system glitch on their side.
    Wasted Chex!
    Update-
    Called again and confirmed from CSR and she advised to not apply again online unless system issue (because of the new deposit products they launched two days back) is resolved for at least one day or two. If you apply, it will be a waste of chex and they confirmed that they can't roll back the inquiry even though it was a system glitch.

  • Bonus Information: To qualify for $319.36 bonus, you must: (1) open a Checking Plus Account

    does the Free checking account qualified?

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