Arizona Bank & Trust

Overview / Commentary
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 1,131st largest bank in the nation. It was established in 2003 and as of December of 2018, it had grown to 76 employees at 8 locations. Arizona Bank & Trust's savings rates are 25% higher than the national average, and it has an A health rating.

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Reviews (1)

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 As for other aspects of the bank their website was terribly outdated and looked bad compared to my other personal checking account bank I do business with.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 Grade Components

FDIC Certificate #57620
Year Established2003
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.62%
Return on Equity - YTD16.02%
Annual Interest Income$28.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$659.0MM$602.2MM
LoansQ4 2018vs Q4 2017$469.3MM$419.5MM
DepositsQ4 2018vs Q4 2017$574.8MM$522.5MM
Equity CapitalQ4 2018vs Q4 2017$65.5MM$63.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$3.6MM$4.6MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.4MM$5.8MM
Real Estate OwnedQ4 2018vs Q4 2017$249.00K$824.00K
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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

0.65%--Passbook Savings
0.15%*$100k*-High Yield Savings
OTHER TIERS: 0.03% Up to $10k | 0.08% $10k - $50k | 0.10% $50k - $100k
0.10%--Small Fortune Savings
0.08%--Regular Savings
0.04%$25-IRA Savings

Arizona Bank & Trust Money Market Rates

0.10%*$10k*-Regular Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.08% $2.5k - $10k
0.10%*$50k*-Premium Money Market
OTHER TIERS: 0.03% Up to $25k | 0.08% $25k - $50k

Arizona Bank & Trust Checking Account Rates

1.76%*$250k*-Signature Series Checking
OTHER TIERS: 1.26% $50k - $150k | 1.41% $150k - $250k
1.76%*-$50kPlatinum Checking
OTHER TIERS: 0.75% $50k+
1.51%*-$20kCash Rewards Checking - Qualifying
OTHER TIERS: 0.01% $20k+

Arizona Bank & Trust CD Rates

2.52%$1k-84 Month CD
2.26%$1k-60 Month CD
1.25%$1k-48 Month CD
1.15%$1k-36 Month CD
1.10%$1k-24 Month CD
0.80%$1k-18 Month CD
0.70%$1k-12 Month CD
0.40%$1k-6 Month CD
0.30%$1k-3 Month CD

Arizona Bank & Trust IRA Rates

2.52%$1k-84 Month IRA
2.26%$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
0.30%$1k-6 Month IRA
0.30%$1k-12 Month IRA
0.20%$1k-3 Month IRA

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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