Arizona Bank & Trust

Overview / Commentary

www.arizbank.com

602-381-2090

2036 East Camelback Road
Phoenix, AZ 85016

Arizona Bank & Trust is headquartered in Phoenix and is the 3^rd largest bank in the state of Arizona. It is also the 1,045^th largest bank in the nation. It was established in 2003 and as of June of 2019, it had grown to 66 employees at 8 locations. Arizona Bank & Trust's money market rates are 59% higher than the national average, and it boasts an A+ health rating.

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11/22 - High-Interest Reward Checking at Arizona Bank & Trust
3/2 - 4.08% 5-Year CD & 2.90% 7-Month CD at Arizona Bank & Trust in Phoenix

7/31 - 4.30% 12-Month CD at Heritage Bank - Nationally Available

11/8 - 6.00% 5-Month CD at an Arizona Bank (Arizona Bank and Trust)

Reviews (2)

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Awesome Free Checking W/ Interest

Posted by: azun | May 30, 2019

I've banked with AZ B&T for a little over 6 years. I've dealt with most of the behemoth banks during my 20+ years in Arizona (all of which leave little to be desired in my estimation.) Cash Rewards is by far the best personal checking account I've had here-- 1.5% interest on free checking. Also, everything is a breeze with this bank. I very rarely need to see a teller, but if I do, I know I'm not going to wait in a line of 7 or more people. Occasionally there might be one car ahead of me in the drive-thru. Same goes with the customer service queue by phone. Customer service hours aren't 24/7, but I'm good at managing my money and maybe have had to call them once in the past two years. (If you need to contact your bank constantly about various things after business hours, you might want to look elsewhere.) The website looks a bit clunky and dated, but who cares? Wish I found this bank sooner!

Comment

Arizona Bank & Trust Good Service Terrible Rates on Fees

Posted by: Wonsuk | Nov 22, 2016

I banked with Arizona Bank & Trust for nearly 10 years mostly doing my business banking with this local bank. The customer service reps and tellers were always very nice and courteous. Deposits and withdrawals were done quickly. I like how this bank was never really busy and I could get in and out in under 10 minutes. However I was notified 3 years ago that I was being overcharged for fees on three business checking accounts. The charges were close to $9,000 and they had done an internal review of my accounts and would settle my account if I agreed to fee less banking for 2 years. I could not believe they were overcharging me that much over a span of 2 years. So the last year I actually took a good hard look at the fees they were charging and it came to about $800 in fees a month for 3 accounts. I ended up visiting other local banks and found one that would have my business for about $250 in fees a month. So for anybody who banks with Arizona Bank & Trust please look at the fees you are charged especially if you have business accounts. They charge almost double anybody else and triple in some cases. As for other aspects of the bank their website was terribly outdated and looked bad compared to my other personal checking account bank I do business with. The mobile aspect of this bank was non-existent when I banked with them. I would pass on banking with Arizona Bank & Trust they have good service but their fees, website, and mobile presence leave lots to be desired.

Comment

Health

A+

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57620
Year Established	2003
Employees	66
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.71%
Return on Equity - YTD	16.94%
Annual Interest Income	$15.3MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$732.8MM$653.6MM
Loans	Q2 2019vs Q2 2018	$481.1MM$440.8MM
Deposits	Q2 2019vs Q2 2018	$646.7MM$558.9MM
Equity Capital	Q2 2019vs Q2 2018	$73.8MM$65.7MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$3.8MM$4.0MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$167.00K$1.6MM
Real Estate Owned	Q2 2019vs Q2 2018	$0$824.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Arizona Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Arizona Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.11%^*	-	$50k	Platinum Savings
OTHER TIERS: 0.01% → $50k+
1.06%^*	$250k^*	-	Signature Series Savings
OTHER TIERS: 0.55% → $50k - $150k \| 0.70% → $150k - $250k
0.35%	-	-	Passbook Savings
0.30%^*	$50k^*	-	High Yield Savings
OTHER TIERS: 0.03% → Up to $10k \| 0.15% → $10k - $50k
0.30%^*	$50k^*	-	Business Solutions High-Yield Savings
OTHER TIERS: 0.03% → Up to $10k \| 0.15% → $10k - $50k
0.30%^*	$50k^*	-	Business High-Yield Savings
OTHER TIERS: 0.03% → Up to $10k \| 0.15% → $10k - $50k
0.10%	-	-	Regular Savings
0.10%	-	-	Small Fortune Savings
0.10%	-	-	Business Savings
0.04%	$25	-	IRA Savings

Arizona Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%^*	$100k^*	-	Premium Money Market
OTHER TIERS: 0.03% → Up to $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $100k
0.70%^*	$100k^*	-	Business Premium Money Market
OTHER TIERS: 0.05% → Up to $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $100k
0.27%^*	$100k^*	-	Regular Money Market
OTHER TIERS: 0.05% → Up to $2.5k \| 0.18% → $2.5k - $10k \| 0.22% → $10k - $100k
0.17%^*	$100k^*	-	Business Solutions Money Market
OTHER TIERS: 0.05% → Up to $25k \| 0.13% → $25k - $100k
0.17%^*	$10k^*	-	Business Money Market
OTHER TIERS: 0.03% → Up to $2.5k \| 0.13% → $2.5k - $10k

Arizona Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.11%^*	-	$50k	Platinum Checking
OTHER TIERS: 0.01% → $50k+
1.06%^*	$250k^*	-	Signature Series Checking
OTHER TIERS: 0.55% → $50k - $150k \| 0.70% → $150k - $250k
0.01%	-	-	Business Interest Checking

Arizona Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	84 Month CD
1.51%	$1k	-	60 Month CD
1.10%	$1k	-	48 Month CD
1.00%	$1k	-	24 Month CD
1.00%	$1k	-	36 Month CD
0.90%	$1k	-	18 Month CD
0.75%	$1k	-	12 Month CD
0.40%	$1k	-	6 Month CD
0.20%	$1k	-	3 Month CD

Arizona Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	84 Month IRA
1.51%	$1k	-	60 Month IRA
0.95%	$1k	-	48 Month IRA
0.65%	$1k	-	36 Month IRA
0.55%	$1k	-	24 Month IRA
0.40%	$1k	-	18 Month IRA - Add On
0.30%	$1k	-	6 Month IRA
0.30%	$1k	-	12 Month IRA
0.20%	$1k	-	3 Month IRA

Locations

Arizona Bank & Trust Locations
Chandler Branch	1000 North 54th Street	Chandler, AZ 85226
Mesa Branch	1331 West Southern Avenue	Mesa, AZ 85202
Arizona Bank & Trust	2036 East Camelback Road	Phoenix, AZ 85016
Chandler Village Branch	3471 West Frye Road	Chandler, AZ 85226
Scottsdale Airpark	7555 East Redfield Road	Scottsdale, AZ 85260
Crossroads Towne Center	4117 South Gilbert Road	Gilbert, AZ 85297
East Baseline Office	980 East Baseline Road	Tempe, AZ 85283

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