Building a stronger financial future for Arizona residents.

Bank On Arizona works to provide access to safe and appropriate financial products and services for underserved communities across Arizona.

Find a Bank On AZ Certified Account

Consumer Banking

Become a Bank On AZ banking or credit union partner

Financial Institutions

Support the Bank On AZ movement

Community Advocates

Find a Bank On AZ Certified Account

Consumer Banking

Become a Bank On AZ banking or credit union partner

Financial Institutions

Support the Bank On AZ movement

Community Advocates

Jessica Howell

Director of Community Engagement/Bank On AZ Fellow

About Bank On Arizona

Our mission is to engage, equip and empower all families in AZ to build a secure financial future.

We envision an Arizona where all children and families thrive, regardless of income, and contribute to and share in the state’s growth. An Arizona where all residents work with government, business, labor and faith leaders in developing policies and programs that will ensure a strong future for all Arizonans. 

Partnering financial institutions and community organizations offer services and educational resources that help empower people and families to improve their financial capability, health, and independence.


Why Bank On Arizona?

Products Improving the financial services marketplace for basic account transactions

People Connecting un- and underbanked individuals to certified accounts

Partners Investing in and nurturing vibrant banking access coalitions

Progress Advocating on banking access issues impacting our community

The Importance of the Bank On Movement

Approximately 18% of Arizonans are under-banked or unbanked

Unbanked households in AZ:


Under-banked households in AZ:


Underbanked adults nationwide:

50 Million

Estimated lifetime savings for a family:


A basic banking account is an important first step in participating in the financial mainstream, depositing your paycheck safely, paying bills effectively, accessing or building credit, and saving for emergencies and the future. However, one key challenge facing people without accounts has been a lack of safe and appropriate banking products offered by mainstream financial institutions, particularly those without overdraft. Instead, nearly 50 million adults across the nation rely on costly alternative financial services – like cash checkers, payday lenders, and pawn shops – for routine financial transactions.

Participating banks and credit unions across Arizona offer low-cost, low-fee transaction accounts that are certified as meeting the Bank On National Account Standards.

Helping Reach Your Financial Goals

We’re All About Helping You Achieve Your Dreams

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Bank On Accounts Opened Nationwide

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Bank On Accounts Opened in All U.S. Zip Codes

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New Bank On Accounts Opened in 2022

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Bank On Certified Financial Institutions in AZ

Bank On Arizona



Bank On accounts do not allow overdraft or nonsufficient funds fees, so you’ll never be hit with a surprise fee.

Low Cost

Certified accounts are $5 or less per month, with no unpredictable fees.


Certified accounts always allow free deposits, free withdrawals, and free bill payments.

Steps to Get Started

How To Setup A Bank On Arizona Account


Find a Participating Bank or Credit Union

Bank On Arizona has various partner financial institutions. You can find a participating bank or credit union in your area. The bank or credit union staff will answer your questions and help you open your new account.


Ask About Opening a Bank On Arizona Account

Our partner branches have special checking and savings programs designed just for you. They will answer your questions and help you open an account that fits your needs.


Bring Identification

You will need current government-issued identification. Some banks and credit unions may accept other IDs, as well. Most banks and credit unions will request a second form of ID.


Open Your New Account

The employee at the bank or credit union will help you through the entire process. Also, the employee can show you how to sign up for money management training classes to help you get the most from your new account.

Community Organizations

Nonprofit organizations, such as our partnering grant recipient Dress for Success Phoenix, are working to provide awareness of Bank On AZ to underserved populations across AZ.

Financial Institutions

Participating financial institutions provide accounts certified as meeting the Bank On National Account Standards and are available at branches of these financial institutions.

Local Government

Bank On Arizona partnering with local government entities and civic leaders to ensure our products are reaching all corners of Arizona communities.

Federal Regulators

In 2015, Bank On launched with four certified accounts in partnership with FDIC chairman Gruenberg, at nation's largest institutions.

Bank On Testimonials

What Bank On Customers Say

Fred Rodriquez
Fred Rodriquez


I highly recommend Bank On to anyone seeking a reliable and inclusive banking solution. It has made managing my money a breeze, and I feel confident in their commitment to providing accessible financial services to all."

Audrey Stevenson
Audrey Stevenson


has been a game-changer for my financial journey. The banking account I obtained through their platform has not only simplified my transactions but has also provided me with a range of tools to manage my money effectively.

Bennett Miller
Bennett Miller

IT Programmer

I appreciate Bank On's dedication to fostering financial inclusion and making banking accessible to everyone. The transparency, efficiency, and support I received have made them my go-to choice for all banking needs. I highly recommend a Bank On account.

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