Simple Checking
- Free Visa® Check Card
- Free eBRANCH Online Banking
- Free Mobile Banking Services1
- Free Bill Pay and eBills
- Free eStatements2
- CO-OP ATM Network – Access to 30,000+ ATMs
- ATM Transactions
Arizona Central ATMs – Unlimited transactions monthly
- Non-Arizona Central ATMs – 8 free per month ($2 each thereafter3)
- Free Unlimited Check Writing
- Free Online Money Management Tools
- Free Overdraft Transfers from Member Share Account
- Free Apple Pay
Monthly Service Fee – FREE when any two (2) of the following requirements are met:
- Enrolled in eStatements
- Direct Deposit of $250 or more per month
- 15 Visa® Check Card transactions per month
- If you are age 23 or under
- Combined per member account balances totaling $2,500 or more
Money Market Checking
- Free Visa® Check Card
- Free eBRANCH Online Banking
- Free Mobile Phone Banking Services1
- Free Bill Pay and eBills
Free eStatements - Free Paper Statements2
- CO-OP ATM Network – Access to 30,000+ ATMs
- Arizona Central ATMs – Unlimited transactions monthly
- Non-Arizona Central ATMs – 8 free transactions per month ($2 each thereafter3)
- Free Unlimited Check Writing
- FREE box of Arizona Central Checks upon account opening or $15 credit towards a custom order
- FREE Cashier’s Checks
- Free Online Money Management Tools
- Free Overdraft Transfers from Member Share Account
- Free Apple Pay
- Dividends paid on entire balance
Monthly Service Fee – FREE when you maintain minimum daily balance of $5,000+ otherwise $15
What is a Checking Account?
A checking account is a type of bank account that allows regular withdrawals and deposits. As the name suggests, this is where one would deposit a check, but these days it’s more commonly associated with ATMs and debit cards, also known as check cards. You should put funds you are intending to spend in a checking account, as opposed to a savings account which is meant to be saved for longer-term purchases.
What’s The Difference Between a Money Market Account and a Simple Checking Account?
The biggest difference between a money market account and a checking account is the interest rate. Money market checking accounts put your money to work, providing interest rates as high as 0.10%. Our simple checking account, on the other hand, does not yield interest.
Benefits of Checking and Money Market Accounts
Checking accounts, either simple or money market, offer you a convenient way to make everyday purchases. Checking accounts allow you to deposit money through direct deposit from your employer or transactions at an ATM or branch location, as well as easy withdrawals through a debit card, checks or cash withdrawals.
Other benefits of checking accounts include:
- Make tracking spending easy with a centralized statement
- Easily pay bills online through bill pay or ACH withdrawals
- Get access to online banking tools
- Avoid cash transactions with a check card
Learn more about choosing a Checking Account with our guide.
Why Bank With Arizona Central Credit Union?
When you’re looking for everyday transactions and banking, you want something trustworthy, easy and made for you. Arizona Central Credit Union makes checking accounts simple, with unlimited transactions and options that fit your budget and financial needs.
Arizona Central Credit Union has 9 branches throughout Arizona, including Phoenix, Glendale, Tempe, Chandler, Flagstaff, Tucson and Show Low. Members have access to 30,000+ surcharge-free ATMs nationwide through the CO-OP ATM network. Arizona Central makes banking accessible & rewarding for all AZ communities.
Checking Options
- Messaging and data rates may apply. Contact your mobile carrier for details.
- Paper statement fee of $2 per month waived when enrolled in eStatements.
- Excluding any surcharges assessed by the ATM’s owner.
