OneAZ Credit Union: $200 Checking Bonus [AZ] – Ends 6/30/26

If you’re looking for an easy checking account bonus that doesn’t require direct deposit, this offer from OneAZ Credit Union is worth a look.

Right now, new members can earn a $200 bonus just by opening a checking account and completing simple debit card transactions — no complicated hoops or large deposits required.

Here’s everything you need to know.

But remember this offer is only available in Arizon. For nationwide bank bonuses, check out our top picks here—including huge offers from Chase, CIT Bank and Axos Bank that you won’t want to miss!

OneAZ Credit Union $200 Bonus – Quick Summary

• Bonus Amount: $200
• Availability: Arizona residents only
• Expiration: June 30, 2026
• Credit Inquiry: Soft pull (typically)
• Direct Deposit Required: No
• Bonus Timeline: Within 15 days after completing requirements

Trending Checking Account Deal:

Chase Checking Bonus: Earn an Easy $400 Checking Cash Bonus*

Open a new Chase Total Checking® account and earn a $400 cash bonus* when you receive $1,000 or more in qualifying direct deposits within 90 days of coupon enrollment. Avoid the...Show More

Open a new Chase Total Checking® account and earn a $400 cash bonus* when you receive $1,000 or more in qualifying direct deposits within 90 days of coupon enrollment. Avoid the $15 monthly fee with qualifying deposits or balances, and enjoy access to 5,000+ branches and 14,000+ ATMs nationwide. Offer ends 10/14/26. Show Less

Earn $400

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How To Earn The $200 Bonus

Getting the bonus is straightforward and doesn’t involve direct deposit. Just follow these steps:

Step 1: Open a New Checking Account

• Apply online (promo code auto-applied) or
• Use code CHK-227 if applying in-branch or by phone

Step 2: Complete 20 Debit Card Purchases

• Must be completed within 60 days of account opening
• Transactions must post and clear
• Small purchases (coffee, gas, groceries) all count

Step 3: Get Your Bonus

• Receive $200 within 15 business days after completing the requirements

Trending Savings Account Deal:

CIT Bank Platinum Savings: Earn Up to 4.10% APY

Looking for a safe, high-yield place to grow your savings before the year ends? Enjoy up to a 4.10% APY for 6 months on balances of $5,000 or more with promo code CITBoost. Open...Show More

Looking for a safe, high-yield place to grow your savings before the year ends? Enjoy up to a 4.10% APY for 6 months on balances of $5,000 or more with promo code CITBoost. Open your account online with as little as $100, fund it easily through transfer or mobile deposit, and start earning one of the most competitive savings rates in the country today.1 Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of July 1, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.2 Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.Boost Disclaimer: This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends October 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6month period outlined in the terms and conditions. The promotion can end at any time without notice.For complete list of account details and fees, see their Personal Account Disclosures at https://www.cit.com/cit-bank/resources/forms Show Less

Earn Up to 4.10% APY

Go to the deal

Account Features

The OneAZ Free Checking account comes with:

• No monthly maintenance fees
• No minimum balance requirement
• Mobile banking with check deposit, bill pay, and transfers
• Early direct deposit (up to 1–2 days early)
• Access to a full-service credit union experience

Key Terms & Conditions

Before signing up, here are the important details:

• Must be a new OneAZ Credit Union member
• Must be a permanent Arizona resident
• Requires opening both:
  • A Share Savings account, and
  • A new checking account
• Only one bonus per member per year
• Account must remain open for at least 6 months or bonus may be clawed back
• Bonus will be reported as taxable income (1099-INT)

Is This Bonus Worth It?

This is a solid low-effort bonus, especially compared to offers that require:

• Large direct deposits ($1,000–$5,000+)
• Maintaining high balances
• Complex multi-step requirements

Pros:

• No direct deposit required
• Easy qualification (20 small purchases)
• Fast payout timeline

Cons:

• Limited to Arizona residents
• Requires membership eligibility
• Debit card usage requirement (some effort)

See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today

Final Thoughts

The OneAZ Credit Union $200 bonus is one of the easier bank bonuses available right now — especially if you prefer simple debit card spend instead of direct deposit hoops.

If you’re eligible in Arizona, this is a straightforward way to pick up an extra $200 with minimal effort.