OneAZ Credit Union
OneAZ Credit Union Free Checking $375 Bonus
OneAZ Credit Union pays $375 when permanent Arizona residents join, open a new checking account by October 31, 2026, and make 25 debit card purchases of $5 or more within 60 days. No direct deposit and no monthly fee. Keep the account open 6 months or the bonus is taken back.
- Bonus amount
- $375
- Expires
- Oct 31, 2026
- Time to complete
- ~60 days
- Bonus deposited in
- ~80 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 7, 2026
Join and open a new checking account
Establish OneAZ membership with a Share Savings account ($5 minimum) and open a new checking account by October 31, 2026, using the link above (the promo code is applied automatically) or code CHK-200 in a branch or by phone. Permanent Arizona residents only.
25 debit card purchases of $5+ in 60 days
Use your OneAZ debit card for 25 qualifying purchases of $5.00 or more that post and clear within the first 60 days of account opening.
Keep the account open 6 months
Keep the checking account open and in good standing with a balance above $0. If it is closed within 6 months of opening, OneAZ deducts the bonus at closing.
The $375 is deposited into the new checking account within 15 business days after you finish the 25th purchase. It is reported on a 1099-INT.
Account Details
- The offer page advertises no monthly maintenance fees.
If the checking account is closed by you or by OneAZ within 6 months after opening, the bonus amount is deducted at closing.
Eligibility
Not for existing OneAZ members or anyone who closed a OneAZ membership in the past 12 months.
- Permanent Arizona residents only.
- Membership: you live, work, worship, volunteer, attend school or are under contract to buy real property in Arizona, or are referred by an existing member. A Share Savings account with $5 establishes membership.
- One bonus per member per year.
Tips & Gotchas
- →No direct deposit needed. Small buys like coffee, gas or groceries count, as long as each is $5 or more and posts within 60 days.
- →Permanent Arizona residents only, and not for current OneAZ members or anyone who closed a membership in the past 12 months.
- →Closing the checking account within 6 months means the $375 is taken back.
- →Open by October 31, 2026. Use the link above so the promo code is applied for you.
Can You Earn This Bonus Again?
Fine Print
Offer available only to new OneAZ Credit Union Members who are permanent residents of Arizona. Membership eligibility requirements apply. Not available to existing members or those who closed their membership within the past 12 months. Promo code must be used at account opening. To receive the $375 bonus: 1) establish membership with a Share Savings account and open a NEW checking account and 2) use your OneAZ Debit Card for 25 qualifying transactions of $5.00 or more within the first 60 days of account opening; purchases must post and clear. Bonus deposited within 15 business days after requirements are met; account must be open and in good standing with a balance greater than $0.00. Bonuses are dividends reported on IRS Form 1099-INT. One bonus payment per member per year. If the checking account is closed within 6 months after opening, the bonus amount is deducted at closing. Offer valid through October 31st, 2026.
Taxable income · Reported on 1099-INT
Related Articles
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
Do Bank Bonuses Show Up on a 1099-INT?
Yes. Bank bonuses are taxable income. Once you earn $10 or more from a single bank in a calendar year, the bank sends a 1099-INT and you report it as ordinary income on your tax return.
Also see: this month's best bank bonuses and community DD data points.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. See how we make money