free checking account
Kiss those monthly maintenance fees and minimum balance requirements goodbye. Your checking account is free regardless of how much you keep in it or how often you use it.
features you can appreciate
You need a free checking account that has your best interests at heart, 24/7 and puts the control in your hands. There’s a financial institution on every corner willing to take advantage of your blood, sweat, and tears, but at SunWest, we know financial freedom comes from you calling the shots without being nickel and dimed.
free direct deposit
With direct deposit into your checking or savings account, there’s no rush hour traffic or waiting in a line of 15 people on payday just to access your money.
free checking account
Your checking account is free regardless of how much you keep in it or how often you use it.
free e-statements
Paper statements are a thing of the past used by checking accounts with limited access that are banking on the hope they can charge you transaction fees before you realize you have a low balance.
What is direct deposit?
A direct deposit is an electronic funds transfer from one account to another. The most common use of direct deposit is when you get paid from work. Instead of picking up a paper check from the office, or being sent your check in the mail, your employer will deposit your paycheck right into your account, saving you the hassle of visiting the office, then the bank, which means more YOU-time.
How do I set up a direct deposit?
Typically, all you need is a direct deposit form from your financial institution that lists their name, routing number, your name, and your account number. To get a direct deposit form for your SunWest account, click here.
What is SunWest’s routing number?
The routing number for SunWest Credit Union is 322172506.
What is a routing number?
A routing number is a 9-digit number used in the United States that identifies a financial institution. No two financial institutions will have the same one, although some may have multiple.
How do I get my checking account number?
You can find your checking account number by logging into your account online. Under the section labeled “Accounts”, you will see a line titled “Share Draft Account” with a 6-digit number listed next to it. This is your checking account number. This can also be found on your monthly account statement.
Do I get a debit card when I open my account?
Yup! Before you leave our branch, you’ll have your debit card in hand to start using the second it’s finished printing. No waiting for your permanent one to be mailed, because we print the permanent one right there and then.
How do I replace my debit card if it has been lost or compromised?
If you’ve lost your card, or believe your card has been the target of fraud, SunWest has you covered. Stop by any of our 8 branch locations to pick up your new card and carry on with your day. While your new card is being printed, ask your Branch Representative to review your account and dispute any fraudulent charges.
My card was stolen, and I am out of town. How do I get a new card?
Nothing ruins a trip faster than losing access to your money. Give us a call at 602.866.1100 or click on “Chat With Us” to have a card mailed or get information on shared branches where you can get cash immediately.
view our branchesWhat are e-statements?
E-statement stands for electronic statement. These are monthly summaries showing your account balances and transactions that have occurred throughout the month.
What are e-statements?
E-statement stands for electronic statement. These are monthly summaries showing your account balances and transactions that have occurred throughout the month.
What are e-statements?
E-statement stands for electronic statement. These are monthly summaries showing your account balances and transactions that have occurred throughout the month.
free direct deposit
With direct deposit into your checking or savings account, there’s no rush hour traffic or waiting in a line of 15 people on payday just to access your money.
What is direct deposit?
A direct deposit is an electronic funds transfer from one account to another. The most common use of direct deposit is when you get paid from work. Instead of picking up a paper check from the office, or being sent your check in the mail, your employer will deposit your paycheck right into your account, saving you the hassle of visiting the office, then the bank, which means more YOU-time.
How do I set up a direct deposit?
Typically, all you need is a direct deposit form from your financial institution that lists their name, routing number, your name, and your account number. To get a direct deposit form for your SunWest account, click here.
What is SunWest’s routing number?
The routing number for SunWest Credit Union is 322172506.
What is a routing number?
A routing number is a 9-digit number used in the United States that identifies a financial institution. No two financial institutions will have the same one, although some may have multiple.
How do I get my checking account number?
You can find your checking account number by logging into your account online. Under the section labeled “Accounts”, you will see a line titled “Share Draft Account” with a 6-digit number listed next to it. This is your checking account number. This can also be found on your monthly account statement.
free checking account
Your checking account is free regardless of how much you keep in it or how often you use it.
free e-statements
Paper statements are a thing of the past used by checking accounts with limited access that are banking on the hope they can charge you transaction fees before you realize you have a low balance.
What are e-statements?
E-statement stands for electronic statement. These are monthly summaries showing your account balances and transactions that have occurred throughout the month.
What are e-statements?
E-statement stands for electronic statement. These are monthly summaries showing your account balances and transactions that have occurred throughout the month.
What are e-statements?
E-statement stands for electronic statement. These are monthly summaries showing your account balances and transactions that have occurred throughout the month.
checking accounts made simple
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 that are designed to keep things simple in an increasingly complicated world. Spend confidently knowing you have access to all the features you need, without the strings.
online account opening coming soon!
We are working hard to get online account openings up and running as we continue to expand our digital options to current and future members.
free same-day debit card
We’re all about convenience at SunWest. We know you can’t be without your debit card for days and days, so we stand ready to issue a new card on the spot.
What is direct deposit?
A direct deposit is an electronic funds transfer from one account to another. The most common use of direct deposit is when you get paid from work. Instead of picking up a paper check from the office, or being sent your check in the mail, your employer will deposit your paycheck right into your account, saving you the hassle of visiting the office, then the bank, which means more YOU-time.
How do I set up a direct deposit?
Typically, all you need is a direct deposit form from your financial institution that lists their name, routing number, your name, and your account number. To get a direct deposit form for your SunWest account, click here.
What is SunWest’s routing number?
The routing number for SunWest Credit Union is 322172506.
What is a routing number?
A routing number is a 9-digit number used in the United States that identifies a financial institution. No two financial institutions will have the same one, although some may have multiple.
How do I get my checking account number?
You can find your checking account number by logging into your account online. Under the section labeled “Accounts”, you will see a line titled “Share Draft Account” with a 6-digit number listed next to it. This is your checking account number. This can also be found on your monthly account statement.
Do I get a debit card when I open my account?
Yup! Before you leave our branch, you’ll have your debit card in hand to start using the second it’s finished printing. No waiting for your permanent one to be mailed, because we print the permanent one right there and then.
How do I replace my debit card if it has been lost or compromised?
If you’ve lost your card, or believe your card has been the target of fraud, SunWest has you covered. Stop by any of our 8 branch locations to pick up your new card and carry on with your day. While your new card is being printed, ask your Branch Representative to review your account and dispute any fraudulent charges.
My card was stolen, and I am out of town. How do I get a new card?
Nothing ruins a trip faster than losing access to your money. Give us a call at 602.866.1100 or click on “Chat With Us” to have a card mailed or get information on shared branches where you can get cash immediately.
view our branches
free online + mobile banking
As a trusted Arizona credit union, we provide the tech you need for the mobile banking you deserve. Whether you prefer the good ol’ desktop or an easy-to-use app, you have access to your money anytime, anywhere.
free zelle + mobile wallet
Enjoy a night out with friends knowing that the bill can be easily split. Or use your mobile device to make purchases at the store. Don't miss out on that epic one-day sale! We're looking at you, shopaholic.
How do I set up my online account?
All you need to get started online is your member number and your SSN. From your desktop, visit https://online.mysunwest.com/auth/Enrollment.
Can I transfer money to other bank accounts online?
You sure can! At SunWest, you have access to free Billpay, Zelle, and TransferNow. Whether you need to pay a bill, transfer to an external account of your own, or pay a friend back for lunch, we got you.
Can I use Apple Pay, Google Pay or Samsung Pay?
You betcha! Visit https://www.mysunwest.com/mobile-wallet for more information about Mobile Wallet and how to set up Mobile Wallet for your account.
How do I deposit checks online?
Sign into your account on the MySunWest app, and click on “Deposit”. If you are eligible for mobile deposit, you’ll be prompted to take a front and back photo. To meet eligibility requirements your account must be open for 30 days, and you must make a minimum of $400 in deposits within a month.
Are funds available right away with mobile deposit?
Checks deposited via mobile deposit are typically made available within 2-3 business days. However, always check your available balance before attempting to use these funds.
free access to funds wherever you are
On the road, out-of-town, or just too far from a SunWest branch and need to withdraw cash? As your stealthy financial companion, we partner with over 55,000 surcharge-free ATMs and over 5,600 shared branching locations.
free checking account overdraft protection
Life happens. SunWest is here to make sure you have the support you need to face even the toughest of times without being concerned about overdraft fees.
Do you participate in the shared branching network?
Yep, SunWest is part of the CO-OP Network that connects credit unions throughout all 50 states.
Can I use any ATM?
You can use any ATM that accepts Mastercard, however, they may charge a fee. SunWest partners with the CO-OP Network, as well as Allpoint to give you fee-free options throughout the United States, and even certain international countries.
Does SunWest charge ATM fees?
You will never be charged for using a SunWest ATM, and you can use other ATMs 5 times each month with no fee from us. If you go over that 5, you may see a “Foreign ATM Fee” of $5 on your account. Keep in mind that although SunWest may not charge a fee to use another ATM, the terminal provider may, so it’s important to check before using their ATM.
What is overdraft protection?
Overdraft protection is when a transaction comes through your checking account, but you don’t have enough money in the checking to cover it. Your account will automatically pull from either your savings or a line of credit to cover you and make the payment, so you aren’t charged a $32 overdraft or non-sufficient funds fee.
Do I have to have my savings set up for overdraft protection?
When you open your account, savings will automatically be set as an overdraft protection option. If you would like to remove that, just give us a call at 602.866.1100
Am I charged for overdraft protection?
You are not charged for overdraft protection. However, you will be charged $32 for courtesy pay transactions. This is when you do not have funds in savings or a line of credit to cover the charge, so SunWest pays on your behalf, taking your account negative, and giving you 30 days to pay it back.
overdraft protectiononline account opening coming soon!
We are working hard to get online account openings up and running as we continue to expand our digital options to current and future members.
free same-day debit card
We’re all about convenience at SunWest. We know you can’t be without your debit card for days and days, so we stand ready to issue a new card on the spot.
Do I get a debit card when I open my account?
Yup! Before you leave our branch, you’ll have your debit card in hand to start using the second it’s finished printing. No waiting for your permanent one to be mailed, because we print the permanent one right there and then.
How do I replace my debit card if it has been lost or compromised?
If you’ve lost your card, or believe your card has been the target of fraud, SunWest has you covered. Stop by any of our 8 branch locations to pick up your new card and carry on with your day. While your new card is being printed, ask your Branch Representative to review your account and dispute any fraudulent charges.
My card was stolen, and I am out of town. How do I get a new card?
Nothing ruins a trip faster than losing access to your money. Give us a call at 602.866.1100 or click on “Chat With Us” to have a card mailed or get information on shared branches where you can get cash immediately.
view our branchesfree online + mobile banking
As a trusted Arizona credit union, we provide the tech you need for the mobile banking you deserve. Whether you prefer the good ol’ desktop or an easy-to-use app, you have access to your money anytime, anywhere.
How do I set up my online account?
All you need to get started online is your member number and your SSN. From your desktop, visit Enrollment page http://bit.ly/3Za4Nkh.
Can I transfer money to other bank accounts online?
You sure can! At SunWest, you have access to free Billpay, Zelle, and TransferNow. Whether you need to pay a bill, transfer to an external account of your own, or pay a friend back for lunch, we got you.
Can I use Apple Pay, Google Pay or Samsung Pay?
You betcha! Visit https://www.mysunwest.com
/mobile-wallet for more information about Mobile Wallet and how to set up Mobile Wallet for your account.
How do I deposit checks online?
Sign into your account on the MySunWest app, and click on “Deposit”. If you are eligible for mobile deposit, you’ll be prompted to take a front and back photo. To meet eligibility requirements your account must be open for 30 days, and you must make a minimum of $400 in deposits within a month.
Are funds available right away with mobile deposit?
Checks deposited via mobile deposit are typically made available within 2-3 business days. However, always check your available balance before attempting to use these funds.
free zelle + mobile wallet
Enjoy a night out with friends knowing that the bill can be easily split. Or use your mobile device to make purchases at the store. Don't miss out on that epic one-day sale! We're looking at you, shopaholic.
free access to funds wherever you are
On the road, out-of-town, or just too far from a SunWest branch and need to withdraw cash? As your stealthy financial companion, we partner with over 55,000 surcharge-free ATMs and over 5,600 shared branching locations.
Do you participate in the shared branching network?
Yep, SunWest is part of the CO-OP Network that connects credit unions throughout all 50 states.
Can I use any ATM?
You can use any ATM that accepts Mastercard, however, they may charge a fee. SunWest partners with the CO-OP Network, as well as Allpoint to give you fee-free options throughout the United States, and even certain international countries.
Does SunWest charge ATM fees?
You will never be charged for using a SunWest ATM, and you can use other ATMs 5 times each month with no fee from us. If you go over that 5, you may see a “Foreign ATM Fee” of $5 on your account. Keep in mind that although SunWest may not charge a fee to use another ATM, the terminal provider may, so it’s important to check before using their ATM.
free checking account overdraft protection
Life happens. SunWest is here to make sure you have the support you need to face even the toughest of times without being concerned about overdraft fees.
What is overdraft protection?
Overdraft protection is when a transaction comes through your checking account, but you don’t have enough money in the checking to cover it. Your account will automatically pull from either your savings or a line of credit to cover you and make the payment, so you aren’t charged a $32 overdraft or non-sufficient funds fee.
Do I have to have my savings set up for overdraft protection?
When you open your account, savings will automatically be set as an overdraft protection option. If you would like to remove that, just give us a call at 602.866.1100
Am I charged for overdraft protection?
You are not charged for overdraft protection. However, you will be charged $32 for courtesy pay transactions. This is when you do not have funds in savings or a line of credit to cover the charge, so SunWest pays on your behalf, taking your account negative, and giving you 30 days to pay it back.
overdraft protectionready to take back control and
own your finances?
Below is a preview of our current lowest term, rate, and monthly payment per $1,000 borrowed. Your actual rate will be based on your credit score, monthly term and model year. To see all rates and terms, visit our rates page.
