Arizona Bank & Trust

Overview / Commentary
2036 East Camelback Road
Phoenix, AZ 85016

Arizona Bank & Trust is headquartered in DENVER and is the 2nd largest bank in the state of Colorado. It is also the 152nd largest bank in the nation. It was established in 2006 and as of March of 2023, it had grown to 1,455 employees at 51 locations. Arizona Bank & Trust's money market rates are 10X the national average, and it has an A health rating.

Reviews (2)

Awesome Free Checking W/ Interest

Posted by: |

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: |

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 #58458
Year Established2006
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD14.64%
Annual Interest Income$115.7MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$10.51B$2.65B
LoansQ1 2023vs Q1 2022$6.30B$1.43B
DepositsQ1 2023vs Q1 2022$9.28B$2.28B
Equity CapitalQ1 2023vs Q1 2022$956.1MM$347.3MM
Loan Loss AllowanceQ1 2023vs Q1 2022$60.2MM$16.6MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$17.6MM$3.7MM
Real Estate OwnedQ1 2023vs Q1 2022$1.6MM$663.00K
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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

1.26%*$250k*-Signature Series Savings
OTHER TIERS: 0.25% $50k - $150k | 1.00% $150k - $250k
0.75%*-$50kPlatinum Savings
OTHER TIERS: 0.01% $50k+
0.40%*$100k*-High Yield Savings
OTHER TIERS: 0.20% Up to $25k | 0.30% $25k - $100k
0.25%$100-Statement Savings
0.01%--IRA Savings

Arizona Bank & Trust Money Market Rates

4.25%*$25k*$1mPremium Money Market Special - New Money
OTHER TIERS: 0.20% Up to $25k | 1.25% $1m - $5m | 1.50% $5m+
1.50%*$5m*-Premium Money Market
OTHER TIERS: 0.20% Up to $25k | 0.50% $25k - $100k | 0.75% $100k - $500k | 1.00% $500k - $1m | 1.25% $1m - $5m
0.75%*$100k*-Regular Money Market
OTHER TIERS: 0.15% Up to $5k | 0.25% $5k - $25k | 0.50% $25k - $100k

Arizona Bank & Trust Checking Account Rates

2.00%*-$50kPlatinum Checking Special
OTHER TIERS: 0.01% $50k+
1.75%*$250k*-Signature Series Checking
OTHER TIERS: 0.15% $50k - $150k | 1.25% $150k - $250k
1.00%*-$50kPlatinum Checking
OTHER TIERS: 0.01% $50k+

Arizona Bank & Trust CD Rates

5.05%--8 Month CD Special - New Money
3.50%--18 Month CD
0.60%--24 Month CD
0.60%--36 Month CD
0.60%--48 Month CD
0.60%--60 Month CD
0.50%--12 Month CD
0.25%--6 Month CD
0.05%--3 Month CD

Arizona Bank & Trust IRA Rates

5.05%--8 Month IRA Special - New Money
3.50%--18 Month IRA
0.60%--24 Month IRA
0.60%--36 Month IRA
0.60%--48 Month IRA
0.60%--60 Month IRA
0.50%--12 Month IRA
0.25%--6 Month IRA
0.05%--3 Month IRA

Arizona Bank & Trust Locations
Chandler Branch1000 North 54th StreetChandler, AZ 85226
Mesa Branch1331 West Southern AvenueMesa, AZ 85202
Arizona Bank & Trust2036 E Camelback RdPhoenix, AZ 85016
Scottsdale Airpark7555 East Redfield RoadScottsdale, AZ 85260
Crossroads Towne Center4117 South Gilbert RoadGilbert, AZ 85297
East Baseline Office980 East Baseline RoadTempe, AZ 85283
Summit Branch 8760032621 North Scottsdale RoadScottsdale, AZ 85262
Gainey Branch 890008700 N. Gainey Center Dr., Ste 100Scottsdale, AZ 85258
Pinnacle Peak Branch 880008700 East Pinnacle Peak RoadScottsdale, AZ 85255

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