Consumer and Small Business guide Arizona banks and checking accounts.

Checking Account Rates in Arizona:

Meridian Bank, National Association is currently offering a checking account that earns you 0.50% APY rate with no minimum daily balance.  Meridian Bank is member FDIC, and has these Arizona locations: Fountain Hills, Gateway, Gilbert, Glendale, Scottsdale Promenade, Phoenix and Wickenburg.

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Meridian Bank Personal Checking Account comes with a $18 service charge- which is avoidable if you have a minimum balance $1,500. The checking account features: online banking, online billpay, paper checks, and direct deposit.

Though Meridian Bank has the current top rates, as of November 2010, these are the best bank accounts in Arizona:

  1. Heritage Bank, National Association (AZ) has a checking account at 0.50% APY rate with a minimum daily balance at $50.
  2. Tucson Old Pueblo Credit Union has a checking account at 0.26% APY rate with a minimum daily balance at $2,500.
  3. Western Federal Credit Union has a checking account at 0.25% APY rate with a minimum daily balance at $2k.
  4. Credit Union West has a checking account at 0.25% APY rate with a minimum daily balance at $12.50.
  5. RCB Bank has a checking account at 0.25% APY rate with a minimum daily balance at $12.50.
  6. Goldwater Bank has a checking account at 0.25% APY rate with a minimum daily balance at $5k.
  7. Arizona State Credit Union has a checking account at 0.25% APY rate with a minimum daily balance at $5k.
  8. Bank 1440 has a checking account at 0.20% APY rate with a minimum daily balance at$5k.
  9. Metro Phoenix Bankhas a checking account at  0.20% APY rate with a minimum daily balance at $1k.
  10. Sunwest Credit Union has a checking account at 0.15% APY rate with a minimum daily balance at $1k.
  11. Sonoran Bank, N.A. has a checking account at 0.11% APY rate with a minimum daily balance at $1k.
  12. FirstBank of Colorado has a checking account at 0.10%* APY rate with a minimum daily balance at $2,500.
  13. Mountain America Credit Union has a checking account at 0.10% APY rate with a minimum daily balance at $500.
  14. Horizon Community Bank has a checking account at 0.10%* APY rate with a minimum daily balance at $5.00.
  15. Continental Federal Credit Union has a checking account at 0.10% APY rate with a minimum daily balance at $5.00.
  16. Vantage West Credit Union has a checking account at 0.10% APY rate with a minimum daily balance at $3k.
  17. Arizona Central Credit Union has a checking account at 0.10% APY rate with a minimum daily balance at $5.00.
  18. Canyon State Credit Union has a checking account at 0.10% APY rate with a minimum daily balance at $2,500.
  19. Arizona Bank & Trust has a checking account at 0.05% APY rate with a minimum daily balance at $2.50.
  20. Colorado State Bank has a checking account at 0.05% -APY rate with a minimum daily balance at $2.50.
  21. National Bank of Arizona has a checking account at 0.05% APY rate with a minimum daily balance at $2.50.
  22. Bank of the West has a checking account at 0.05%* APY rate with a minimum daily balance at $2.50.
  23. Desert Schools Federal Credit Union has a checking account at 0.05% APY rate with a minimum daily balance at $2.50.
  24. AEA Federal Credit Union has a checking account at 0.05% APY rate with a minimum daily balance at $5k.
  25. M&I Bank has a checking account at 0.05%* APY rate with a minimum daily balance at $2.50.
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