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 at the time you apply, and BMO may ask for proof of address. You cannot already hold a BMO personal checking account or have closed one in the past 12 months, and it is one bonus per customer.

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: 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.

Membership: America First field of membership (select areas of UT, NV, AZ, ID, OR, and NM). 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. OREGON: America First's field of membership in Oregon covers ELIGIBLE AREAS OF MALHEUR COUNTY ONLY, not the whole state, so Oregon is no longer listed. If you live in Malheur County you are still eligible and should apply directly with the credit union. CALIFORNIA: eligible areas of San Bernardino County are also in the field of membership, but California is not listed here because we can only store whole states and listing it would wrongly imply the rest of California qualifies.

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.

HSBC Premier Relationship required, which typically means $75,000+ combined balances or a qualifying HSBC mortgage. High-balance offer, new Premier customers only. New-customer offer: account must be open by August 31, 2026 (extended; DoC 7/11/26: 'extended through 8/31/26 or 12/31/26 depending on the offer').