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Best Banks & Checking Accounts in Phoenix, Arizona - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for Phoenix, Arizona include Credit Union West Credit UnionCredit Union West Credit Union2303 N 44th St Ste 1, Phoenix, AZ 85008 2442A+5.0 ★Texas Ratio: 3.00% Heritage High-Yield CheckingTM at 6.00% APY, KS StateBankKS StateBank5110 N Central Ave, Phoenix, AZ 85012A5.0 ★Texas Ratio: 9.13% Checking PLUS at 2.53% APY, Goldwater BankGoldwater Bank2525 E Camelback Rd, Phoenix, AZ 85016A5.0 ★Texas Ratio: 11.19% GOLD CHECKING +++* at 2.00% APY, Bankers Trust CompanyBankers Trust Company2525 E Camelback Rd, Phoenix, AZ 85016A+5.0 ★Texas Ratio: 2.53% Interest Checking Account APYs at 0.77% APY, and FirstBank (Colorado)FirstBank (Colorado)4925 N 20th St, Phoenix, AZ 85016A+5.0 ★Texas Ratio: 1.68% Premier Checking at 0.20% APY.

Looking for the best checking accounts in Phoenix, Arizona? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Phoenix, Arizona, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Phoenix, Arizona. Checking Account Rates Last Updated and Verified: March 21, 2026

Phoenix, AZ Checking Rate Trends

Compare local Phoenix, AZ checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Arizona Checking Trends →
High-Yield Checking — AZ Avg
1.936%
▲ 1.799 from last week

Arizona high-yield checking rates rose 1.799 points this week to 1.936% APY, up from 0.138% last week.

Rewards Checking — AZ Avg
1.056%
▼ 0.388 from last week

Arizona rewards checking rates fell 0.388 points this week to 1.056% APY, down from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Phoenix, Arizona & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
2303 N 44th St Ste 1
Phoenix, AZ 85008 2442
Heritage High-Yield CheckingTM
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

KS StateBank
Institution Rating:
A5.0 ★ Texas Ratio: 9.13%
5110 N Central Ave
Phoenix, AZ 85012
Checking PLUS
2.53%
$100
View
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Assuming all [requirements](https://www.ksstate.bank/personal/deposit-accounts#CheckingPLUS) are met within the statement cycle for balances up to $25,000

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLD CHECKING +++*
2.00%
$500
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $20,000.00

KS StateBank
Institution Rating:
A5.0 ★ Texas Ratio: 9.13%
5110 N Central Ave
Phoenix, AZ 85012
Community Checking
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

This is a business account. It cannot be opened online.

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLDEN CHECKING - 50+*
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.77%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.72%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Checking
0.60%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Checking
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLDWATER CHECKING *
0.50%
$500
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

FirstBank (Colorado)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
4925 N 20th St
Phoenix, AZ 85016
Premier Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
4645 N 32nd St Ste 100A
Phoenix, AZ 85018 3389
Ultimate Personal Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
4645 N 32nd St Ste 100A
Phoenix, AZ 85018 3389
Ultimate Nonprofit Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
2710 E Camelback Rd
Phoenix, AZ 85016
America's Best Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
2710 E Camelback Rd
Phoenix, AZ 85016
America's Best Premier Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St
Phoenix, AZ 85008 7322
Cash Back Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave
Phoenix, AZ 85051
Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
5777 E Mayo Blvd
Phoenix, AZ 85054
Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Rate may change after account is opened.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
2303 N 44th St Ste 1
Phoenix, AZ 85008 2442
Heritage High-Yield CheckingTM
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

KS StateBank
Institution Rating:
A5.0 ★ Texas Ratio: 9.13%
5110 N Central Ave
Phoenix, AZ 85012
Checking PLUS
2.53%
$100
View
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Assuming all [requirements](https://www.ksstate.bank/personal/deposit-accounts#CheckingPLUS) are met within the statement cycle for balances up to $25,000

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLD CHECKING +++*
2.00%
$500
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $20,000.00

KS StateBank
Institution Rating:
A5.0 ★ Texas Ratio: 9.13%
5110 N Central Ave
Phoenix, AZ 85012
Community Checking
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

This is a business account. It cannot be opened online.

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLDEN CHECKING - 50+*
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.77%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.72%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
2710 E Camelback Rd
Phoenix, AZ 85016
America's Best Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
2710 E Camelback Rd
Phoenix, AZ 85016
America's Best Premier Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy
Tempe, AZ 85281
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
182 E 16th St
Yuma, AZ 85364
Gateway Premier Interest Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
51 W 3rd St
Tempe, AZ 85281
Interest Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.35%
971 W Wetmore Rd
Tucson, AZ 85705 1551
Checking PLUS
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd
Mesa, AZ 85215 9707
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Minimum Balance to Earn Dividends: $75,000 - $99,999

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd
Mesa, AZ 85215 9707
Advantage Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
182 E 16th St
Yuma, AZ 85364
Gateway 50 Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Balance

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
182 E 16th St
Yuma, AZ 85364
Gateway Premier Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Balance up to $1,499.99

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
182 E 16th St
Yuma, AZ 85364
Gateway Easy Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Balance

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1600 E Northern Ave
Phoenix, AZ 85020 3933
Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $500.00

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St
Phoenix, AZ 85008 7322
Cash Back Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
15458 N 28th Ave
Phoenix, AZ 85053
CashBack Checking
0.01%
$25
View
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave
Lake Havasu City, AZ 86403
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
51 W 3rd St
Tempe, AZ 85281
Free Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd
Mesa, AZ 85215 9707
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy
Tempe, AZ 85281
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy
Tempe, AZ 85281
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
15458 N 28th Ave
Phoenix, AZ 85053
Teen Checking
0.01%
$25
View
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR
PHOENIX, AZ 85044
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
1575 S Price Road
Chandler, AZ 85286
YOUth Journey Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114
Phoenix, AZ 85028
Business growth checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$20,000 +

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
803 E Devonshire Ave
Phoenix, AZ 85014
Business Premier Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
803 E Devonshire Ave
Phoenix, AZ 85014
Business Premier Checking
0.35%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114
Phoenix, AZ 85028
Business analysis checking earnings credit
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$20,000 +

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114
Phoenix, AZ 85028
Business growth checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$1,000 to $19,999

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
803 E Devonshire Ave
Phoenix, AZ 85014
Business Premier Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St
Phoenix, AZ 85008 6608
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114
Phoenix, AZ 85028
Business analysis checking earnings credit
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

under $20,000

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St
Phoenix, AZ 85008 6608
Business Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
2710 E Camelback Rd
Phoenix, AZ 85016
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
2710 E Camelback Rd
Phoenix, AZ 85016
Premier Business Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Arizona Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
2020 N CENTRAL AVE STE 100
PHOENIX, AZ 85004
Business Classic Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St
Phoenix, AZ 85008 6608
Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
2303 N 44th St Ste 1
Phoenix, AZ 85008 2442
Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
4645 N 32nd St Ste 100A
Phoenix, AZ 85018 3389
Ultimate Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Gateway Commercial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6860 E Warner Rd
Mesa, AZ 85212
Analysis Business Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

5% earnings credit toward fees (and no hidden fees)

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8501 N Scottsdale Rd
Scottsdale, AZ 85253
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8501 N Scottsdale Rd
Scottsdale, AZ 85253
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8501 N Scottsdale Rd
Scottsdale, AZ 85253
Business Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd
Tempe, AZ 85282 1893
Business Checking
0.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Phoenix, Arizona directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Phoenix, Arizona. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in AZ.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Phoenix, Arizona earn interest?

Most traditional local checking accounts in Phoenix, Arizona earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Phoenix, Arizona FDIC insured?

Yes. Legitimate banks with branches in Phoenix, Arizona are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Phoenix, Arizona

Based on our current data, some of the highest checking account APYs available to residents of Phoenix, Arizona include:
  • Credit Union West Credit Union
    Heritage High-Yield CheckingTM — 6.00% APY
  • KS StateBank
    Checking PLUS — 2.53% APY
  • Goldwater Bank
    GOLD CHECKING +++* — 2.00% APY
  • Bankers Trust Company
    Interest Checking Account APYs — 0.77% APY
  • FirstBank (Colorado)
    Premier Checking — 0.20% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Phoenix, Arizona. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

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