OneAZ Credit Union $350 Checking Account Bonus (2026) - Review & Requirements
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Overview
OneAZ Credit Union offers a $350 checking bonus for 25 debit purchases of $5+ within 60 days. No direct deposit required. Arizona only.
Who This Checking Bonus Is Best For
Arizona residents who prefer not to move their direct deposit and are active debit card users.
How to Maximize This Bonus
Open checking and use your debit card for 25 purchases of at least $5 each within 60 days. Use it for all everyday spending — coffee, gas, groceries.
Pros
Cons
How This Compares to Other Bonuses
A strong no-DD option for Arizona. At $350 for debit purchases only, it's competitive with First Commonwealth ($400, 10 debit, multi-state).
Frequently Asked Questions
Which states have OneAZ Credit Union?
Arizona only.
Full Requirements
Establish membership with a Share Savings account and open a new checking account, then use your OneAZ debit card for 25 qualifying transactions within the first 60 days. THERE IS NO MINIMUM PURCHASE SIZE, and OneAZ says small everyday buys like coffee, gas or groceries all count, but the purchases have to post and clear inside the 60 days. No direct deposit is required. If you apply in a branch or over the phone you must mention promo code CHK-350; opening online through the offer page applies it for you. The bonus arrives within 15 business days of your 25th purchase, and the account has to be open with a balance above zero. Close the checking account within 6 months and OneAZ takes the bonus back at closing.
Fees
No monthly fee.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
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.
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Sources (2)
We last checked this against the bank's page on August 15, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.