Best bank bonuses in Arizona

The person listed first on the account has to live in Arizona, California, Colorado, Florida, Iowa, Illinois, Indiana, Minnesota, New Mexico, Nevada, Oregon, Utah, Washington or Wisconsin when you apply, and BMO may ask for proof of address. Not available if you already hold a BMO personal checking account or closed one in the past 12 months, including as a trustee, signer or joint owner. One bonus per client.

Bankers Trust has branches in Iowa, Nebraska and Arizona, and this account has to be opened in person at one of them. There is no residency rule in the offer, so where you live does not disqualify you; the only real question is whether you can get to a branch. Not for existing BT checking customers or anyone with a BT checking in the last 6 months; one bonus per household. $400 early-closing fee if closed within 12 months. Paid within 75 days. (A $250 market-specific variant exists.) Open by 9/30/2026.

Arizona only, new members aged 18 or older. You are not eligible if you have closed a OneAZ membership within the past 12 months, and only one bonus payment may be received per member per year. The offer cannot be combined with any other promotion.

Membership: America First field of membership, which covers selected counties in Utah, Nevada, Arizona, Idaho, New Mexico, Oregon and California. Primary owners of an America First account opened within the last 12 months are ineligible, as are employees, volunteers, and business, secondary, and special accountholders. Close or transfer the accounts within 12 months and you forfeit the bonus. Cash is deposited within 60 days of meeting the requirements. TWO STATES ARE SINGLE-COUNTY ONLY, so read these before you apply. OREGON: the field of membership covers eligible areas of MALHEUR COUNTY ONLY. If you live, work, worship, volunteer or attend school there you qualify; anywhere else in Oregon you do not. CALIFORNIA: the field of membership covers eligible areas of SAN BERNARDINO COUNTY ONLY, which America First picked up in its 2024 merger with 1st Valley Credit Union. The rest of California does not qualify. Oregon and California are listed here so people in those two counties can find the offer at all, and we ask you the county question directly rather than assuming.

Membership: Credit Union West, open to anyone who lives, works or worships anywhere in Arizona except Graham, Greenlee, La Paz and Santa Cruz counties, to immediate family of members, and to employees. A membership savings account with a $5 minimum balance is required. The offer is good for one new membership per person and is not open to existing members or to anyone who has taken a Credit Union West promotional offer within the last two years of the account open date. You can also open at one of the 12 Arizona offices instead of online. The bonus is treated as interest and reported on IRS Form 1099-MISC.

Membership: Arizona field of membership, with a $25 minimum balance in Membership Savings. You must be 18 or older with a valid SSN or TIN. New members only: existing account owners, whether primary or joint, and primary owners of a membership closed in the past 12 months are not eligible. Open the accounts online through the promotional link, or mention the promotion when opening in a branch or over the phone, or the bonus will not be paid. Accounts must be open and not delinquent by more than 30 days when the bonus is paid. Expect the bonus no later than 10 business days into the month following the end of the initial 90-day period, so budget roughly three to four months from opening. No end date is stated.

Membership: Arizona field of membership. Must be 18 or older and a brand-new member with no existing primary account relationship. Current joint owners can qualify by opening as the primary owner, and former members qualify again once their old accounts have been closed 12 months or more. Direct deposit means an electronic paycheck, investment account, pension, or government benefit; Zelle, Venmo, and PayPal do not count. The bonus is deposited about 75 days after opening if you are in good standing. Close the checking account within 6 months and the bonus is deducted at closing. Business, indirect borrower, fiduciary, and voting accounts do not qualify, and the offer may expire at any time.

Bell Bank operates in Minnesota, North Dakota and Arizona, and the account is its America's Best Checking. The bonus is only available to customers who open with a current promo code, which Bell distributes through partnerships rather than publishing on its main checking page. One live example is code SUNSFAN100 on Bell's Phoenix Suns and Phoenix Mercury partner pages. Limit one bonus per household and per account, it cannot be combined with any other offer, and Bell employees are excluded. The money lands within 5 business days after you qualify. Expires December 31, 2026.

Membership: Arizona field of membership. You must be a new primary member who has not been a primary member in the last six months. No direct deposit is required; any deposit totaling $750 counts. The $50 is deposited to your share account within seven business days of the date you meet the last requirement, and the account must be in good standing and not negative at that time. Your checking account has to stay open at least six months or the bonus may be debited back. The member who referred you also receives $50. Super Saver, fiduciary and business accounts are excluded, and it cannot be combined with another checking opening offer.

New customers only, and HSBC's definition is a lifetime one: "A 'New Customer' is someone who doesn't have a current or past HSBC account in the U.S. on file." A closed HSBC U.S. account from any point in the past disqualifies you, so this is not a 12-month or 24-month lookback. The Premier checking account must be opened by December 31, 2026. Premier qualification criteria also govern the $50 monthly fee waiver, with $100,000 in combined balances given as the example. Nationwide.

Open or upgrade to a new Chase Private Client Checking account by October 14, 2026. Top $3,000 tier requires $500,000+ in new money; $1,000 minimum tier requires $150,000. Requires an in-person/banker meeting to redeem the coupon.

New Chase business checking customers only. You are not eligible if your business already has a Chase business checking account, if you closed one within 90 days of opening it, or if you closed one with a negative balance in the past three years. Government entities, political action committees and campaign accounts are excluded, as are JPMorgan Chase employees. A signer can take one Chase business checking offer every two years counted from the last enrollment date, and only one offer applies per account. Chase does not open business deposit accounts for Hawaii businesses, so Hawaii owners cannot use this one. Chase business CREDIT CARDS are still available in Hawaii. Expires October 15, 2026.

Business checking. Promo code Q3DIG26. Expires September 27, 2026. New business checking customers only. Two accounts qualify and they are not priced the same: $1,200 needs the Platinum Business Checking Package and $25,000 held, and $400 needs U.S. Bank Business Essentials and $5,000 held. Business Essentials has no monthly maintenance fee. Platinum lists $30 a month but waives it at a $25,000 average collected checking balance, which is the same money the bonus asks you to hold.

Your business has to have annual revenue under $10 million. PNC states that limit on the offer itself, so check it before you plan anything else. New PNC business checking customers only, which means no signer on the account may already have signing authority on a PNC business checking account, have closed one in the past 90 days, or have been paid a PNC promotional premium in the past 12 months. Open a Treasury Enterprise Plan account between July 1, 2026 and September 30, 2026 and keep an average ledger balance of $30,000 or more for each of your first three statement cycles. Only the master account balance counts, so money sitting in linked beneficiary accounts does not. Your statements must cycle monthly; accounts on daily, weekly or quarterly statements are excluded. The plan lists at $50 a month but is $0 for the first three statement cycles and is waived at a $30,000 average balance, so the hold itself covers the fee. Analysis Business Checking also qualifies for the same $1,000, but avoid it unless you have a reason: its fee is only offset by an earnings credit on much larger balances, so at $30,000 you would still pay around $25 a month.

New business checking customers only. A business is not eligible if it currently owns a Wells Fargo business checking account or has closed one in the past 90 days. Sole proprietors qualify, and no LLC is required.

Available to Hawaii residents (Chase personal checking/savings bonuses are obtainable in HI). New Chase savings customers only. Not available if you closed a Chase savings account in the last 90 days or with a negative balance in the last 3 years. One savings bonus every 2 years. Combo bonus ($400) requires also completing checking direct deposit requirement.

Once-per-lifetime: not eligible if you've ever received a FourLeaf new-checking bonus, and only one checking bonus per person. Four Leaf FCU (formerly Bethpage Federal Credit Union, rebranded 2026). Membership is open to anyone nationwide who opens a $5 savings share, with no New York residency, employer group, association, or donation required (the easy Bethpage-era path survived the rebrand). Must be a U.S. citizen or permanent resident (green-card holder); requires SSN and a government photo ID. Account must be opened between 02/02/2026 and 12/31/2026.

Must not have had a BofA personal checking account in the past 12 months; one bonus per customer every 12 months.

Business checking. New BlueVine business checking customers only. New-customer terms: has NOT had a Bluevine Business Checking account open in the last 12 months (12-month cooldown, not once-per-lifetime).

OUT-OF-STATE IS ELIGIBLE with a member referral code, backed by multiple approved out-of-state datapoints (2026-07-20: 'approved as an out-of-state applicant'; 2026-06-09 OOS instant approval; 2026-07-21 instant approval on a friend's code). Without a referral, membership runs through the CA field of membership (Stanford affiliation, or FOPAL/MOAH association). Was previously coded CA-only, which hid the offer from every non-CA user. PULLS CHEXSYSTEMS, and small CUs tolerate churners poorly, with denials reported at high inquiry counts. One bonus per member (lifetime).

Available nationwide. U.S. Bank's own wording is that the offer "may not be available if you live outside of the U.S. Bank footprint" — that is a soft clause, not a hard block. If you are outside their branch footprint, members often qualify by first opening a U.S. Bank brokerage account or credit card and then applying for the checking account. U.S. Bank accounts are obtainable by Hawaii residents (online/existing-relationship), per direct HI experience. Must not have existing US Bank consumer checking, had one in the last 12 months, or received a US Bank checking bonus in the past 12 months. Not available with Trust Accounts or Alliance partnerships.

Nationwide; open online or at branch by August 31, 2026. No signer may have an existing PNC consumer checking account or have closed one within the past 12 months, and no primary signer may have received a PNC consumer-checking promotional premium within the past 24 months.

Not available to existing Chase checking customers, or if you closed a Chase checking account within 90 days or closed one with a negative balance in the last 3 years. Available to Hawaii residents (Chase personal checking/savings bonuses are obtainable in HI). Payroll, pension, or government benefits via ACH, RTP, FedNow, or Visa/Mastercard debit network qualify. Zelle, cash, checks, wire transfers, and interest do not. Micro-deposits do not qualify.

Primary owner only; must be new Wells Fargo checking customer and must not have received Wells Fargo consumer checking bonus in the past 12 months.

One direct-deposit bonus per SSN lifetime; new SoFi Checking & Savings users (and some existing users without prior DD setup) may qualify.