free checking accounts in arizona

You work hard for your money and you need a free checking account that puts you in the driver’s seat.

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checking accounts made simple

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Your money is just that–yours. That means you shouldn't settle for just any bank account. You need a free checking account that has your best interests at heart, 24/7. There are plenty of financial institutions ready to take advantage of your blood, sweat, and tears, but at SunWest, we know your future is a lot brighter when you’re calling the shots. Enjoy direct deposit into your checking or savings account with no minimum deposit to open.

Enjoy the financial freedom that comes with our free checking account and kiss those monthly maintenance and minimum balance requirements goodbye. Our Essential fresh start checking account helps you take control of your finances so you can spend confidently knowing you have access to all the features you need, without the strings. Or the ridiculous monthly service fee or annual fee.

essential free checking account features you can appreciate

You’re a busy person with a growing to-do list. You don’t have time to read pages of fine print that explain how to avoid the monthly service fees you shouldn’t have to pay in the first place. That’s why SunWest offers free checking accounts for Arizonans designed to keep things simple in an increasingly complicated world. Your Essential checking account at SunWest comes with:

checking account overdraft protection

+ Mobile Wallet
Ready to take back control and own your finances?
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level up

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Our Premier level is not your regular checking account. It offers all the comprehensive services of our Essential checking account plus a few more amenities. And we love amenities. When you stay in a hotel, do you take the extra soaps and lotions? We won't tell. You're among friends at SunWest Credit Union, and we are not judging. Below are our extra lotions you can take at checkout.

  • Receive dividends on balances starting at $1,000

    Checking accounts aren't well known for paying you back, but a Premier checking account with SunWest does just that when you keep your balance at $1k or more.

  • free standard SunWest personal checks

    Enjoy unlimited check writing. Most of the time, a debit card or online payment works out just fine. However, there are a few places - like apartment complexes, Department of Homeland Security, and your kids' fundraisers - that still want those handwritten love notes.

  • Free SunWest money orders and official checks

    Skip the fee on certified funds with a Premier checking account.

  • No fee as long as end of business day balances are $1,000 or more

    That's right, folks! These amenities are free to you when your bank account maintains that minimum balance.

With Courtesy Pay and a Revolving Line of Credit

we've got you covered

We subscribe to the belief that people are inherently good and do their best to make smart decisions. What we don’t believe in is judging our members, or making them feel terrible for a mistake that we’ve all made at some point along our own financial journeys.

Maybe you underestimated your monthly expenses, or simply forgot to transfer money between an online checking account and savings account to cover your automatic withdrawals. Whatever the reason, SunWest has designed our overdraft services to protect you in the event you find yourself overdrawn on your checking account. Hey, it’s like they say–to err is human. We still love you.

courtesy pay

For checks and recurring debit card transactions

This is our basic form of overdraft protection created to cover withdrawals and purchases in excess of your available funds. Account eligibility is routinely evaluated for this discretionary service. If items are paid in excess of your available funds, a normal non-sufficient funds fee is charged.*


For ATM and One-Time Debit Card Transactions

This is an enhancement to our basic Courtesy Pay that extends coverage to ATM withdrawals and one-time debit card transactions. This service is available upon your request. Simply opt in to benefit from this additional overdraft protection.


Extending Courtesy pay

It is easy to protect yourself from overdraft fees. Give us a call or visit your local branch.

revolving line of credit

You’re cruising along, enjoying financial freedom then BAM–your dishwasher breaks and needs to be replaced. Or maybe poor Fido got in a fight with a rattlesnake and needs emergency treatment. You love your furry sidekick so of course you’re going to do everything you can to make sure he gets the best treatment.

You’re walking out of the vet’s office with your head held high and your best friend in your arms, feeling relieved that all is well. But then the gravity of the expense hits you all at once. With SunWest personal loans, you can enjoy the peace of mind knowing that you’re ready for wherever life takes you. Instead of panicking, rest assured knowing that SunWest is once again ready to swoop in and save the day!

What is a revolving line of credit anyways?

We are so glad you asked! A revolving line of credit is a flexible way to get access to extra cash flow when something unexpected pops up. It is unsecured, which means you don’t have to offer up any collateral to secure the line of credit. In fact, the available credit limit is used in conjunction with your SunWest checking account and MasterCard debit card as a source of protection against over-drafting your account. You can continue to use this option without reapplying as long as you pay back the money borrowed.

The beauty of a revolving line of credit is that you can use it for whatever life throws your way. Take the first step towards securing your financial future and apply today.

that fine print, though

It's not the most fun to read, but we pride ourselves in being transparent so that our members can make educated financial decisions.

*With Courtesy Overdraft, certain restrictions and an overdraft fee will apply when used. Ask a representative for complete terms and conditions. Keeping a savings account open with a minimum balance of $5.00 at all times is a requirement to being a member at SunWest Credit Union. In certain circumstances, withdrawals/transfers from savings and checking accounts are limited by a Federal Regulation to 6 withdrawals/transfers per month.