Arizona Bank & Trust


Overview / Commentary
602-381-2090
2036 East Camelback Road
Phoenix, AZ 85016

Arizona Bank & Trust is headquartered in Phoenix and is the 3rd largest bank in the state of Arizona. It is also the 1,045th 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 2X the national average, and it boasts an A+ health rating.

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Reviews (2)

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!

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.



Health
A+

Health Grade Components

Overall
FDIC Certificate #57620
Year Established2003
Employees66
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD16.94%
Annual Interest Income$15.3MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$732.8MM$653.6MM
LoansQ2 2019vs Q2 2018$481.1MM$440.8MM
DepositsQ2 2019vs Q2 2018$646.7MM$558.9MM
Equity CapitalQ2 2019vs Q2 2018$73.8MM$65.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$3.8MM$4.0MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$167.00K$1.6MM
Real Estate OwnedQ2 2019vs Q2 2018$0$824.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*-$50kPlatinum Savings
OTHER TIERS: 0.01% $50k+
1.51%*$250k*-Signature Series Savings
OTHER TIERS: 1.00% $50k - $150k | 1.16% $150k - $250k
0.55%--Passbook Savings
0.45%*$50k*-High Yield Savings
OTHER TIERS: 0.03% Up to $10k | 0.18% $10k - $50k
0.45%*$50k*-Business Solutions High-Yield Savings
OTHER TIERS: 0.03% Up to $10k | 0.18% $10k - $50k
0.45%*$50k*-Business High-Yield Savings
OTHER TIERS: 0.03% Up to $10k | 0.18% $10k - $50k
0.10%--Regular Savings
0.10%--Small Fortune Savings
0.10%--Business Savings

Arizona Bank & Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-Premium Money Market
OTHER TIERS: 0.03% Up to $25k | 0.18% $25k - $50k | 0.45% $50k - $100k
0.90%*$100k*-Business Premium Money Market
OTHER TIERS: 0.05% Up to $25k | 0.18% $25k - $50k | 0.45% $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
0.27%*$1m*-Business Solutions Money Market
OTHER TIERS: 0.05% Up to $25k | 0.18% $25k - $100k | 0.22% $100k - $1m
0.27%*$100k*-Business Money Market
OTHER TIERS: 0.03% Up to $2.5k | 0.18% $2.5k - $10k | 0.22% $10k - $100k

Arizona Bank & Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$250k*-Signature Series Checking
OTHER TIERS: 1.00% $50k - $150k | 1.16% $150k - $250k
1.51%*-$50kPlatinum Checking
OTHER TIERS: 0.01% $50k+
0.01%--Business Interest Checking

Arizona Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.41%$1k-84 Month CD
2.16%$1k-60 Month CD
1.51%$1k-24 Month CD
1.20%$1k-48 Month CD
1.15%$1k-36 Month CD
1.00%$1k-18 Month CD
0.90%$1k-12 Month CD
0.50%$1k-6 Month CD
0.30%$1k-3 Month CD
Locations


Arizona Bank & Trust Locations
Chandler Branch1000 North 54th StreetChandler, AZ 85226
Mesa Branch1331 West Southern AvenueMesa, AZ 85202
Arizona Bank & Trust2036 East Camelback RoadPhoenix, AZ 85016
Chandler Village Branch3471 West Frye RoadChandler, AZ 85226
Scottsdale Airpark7555 East Redfield RoadScottsdale, AZ 85260
Crossroads Towne Center4117 South Gilbert RoadGilbert, AZ 85297
East Baseline Office980 East Baseline RoadTempe, AZ 85283

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