Arizona Bank & Trust

Deposits held and insured by HTLF Bank

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 As for other aspects of the bank their website was terribly outdated and looked bad compared to my other personal checking account bank I do business with.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


Data as of Q4 2023

Data displayed below is for insuring bank: HTLF Bank
Learn why bank health matters

Health Grade Components

FDIC Certificate #58458
Year Established2006
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.88%
Annual Interest Income$958.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$19.33B$9.18B
LoansQ4 2023vs Q4 2022$11.95B$5.37B
DepositsQ4 2023vs Q4 2022$16.49B$7.97B
Equity CapitalQ4 2023vs Q4 2022$1.97B$776.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$122.6MM$50.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$84.7MM$12.4MM
Real Estate OwnedQ4 2023vs Q4 2022$16.6MM$925K
Report an Issue

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%--Statement Savings
0.01%--IRA Savings

Arizona Bank & Trust Money Market Rates

4.25%*$25k*$5mPremium Money Market Special - New Money
OTHER TIERS: 0.20% Up to $25k | 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

1.50%*$250k*-Signature Series Checking
OTHER TIERS: 0.15% $50k - $150k | 1.00% $150k - $250k
0.75%*-$50kPlatinum Checking
OTHER TIERS: 0.01% $50k+

Arizona Bank & Trust CD Rates

5.00%-$1m8 Month CD Special - New Money
2.75%--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

5.00%-$1m8 Month IRA Special - New Money
2.75%--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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.