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Bank On certified accounts, Arizona credit union youth and teen accounts, bank student accounts with fee waivers and second-chance accounts, each in the institution’s own words. Then what you need to open an account and what to do if you were turned down.
Bank On certified accounts have no overdraft fees and low or no monthly fees. The standard says: “Overdraft or Non-Sufficient Funds (NSF) Fees None” and “If not waivable: $5 or less If waivable: $10 or less”.
Under 18? 15 of the 22 youth and teen accounts here say a parent, guardian or other adult must be a joint owner.
Bring the ID the bank or credit union lists on its card below. Many ask for a Social Security number and a government photo ID.
Your age is only used on this page and is never saved. The toggles are saved on this device.
Showing 50 of 50 accounts.
Listed for Arizona by Bank On. Being on the list does not mean the bank has a branch in Arizona; some open online only.
Chase Secure Banking
Bank On listing: “Chase Secure Banking Account” joinbankon.org
The page says:
You can avoid the fee with ONE of the following each monthly statement period: $250+ in qualifying electronic deposits —OR— an account owner who is 17-24 years old.
Chase Secure Banking has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2019.
$0 Monthly Service Fee for 17-24 year olds
Clear Access Banking
Bank On listing: “Wells Fargo Clear Access Banking” joinbankon.org
The page says:
You can avoid the $5 monthly service fee with one of the following each fee period: Primary account owner is 13 – 24 years old
Clear Access Banking meets the Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.
You must be 18 or older to apply online. 17 and under must open at a branch.
Ideal as a first teen or student bank account, or second chance banking opportunity
When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.
Second chance bank accounts provide a great opportunity for customers unable to open standard accounts due to past credit or banking history.
Advantage SafeBalance Banking
Bank On listing: “Bank of America SafeBalance Banking” joinbankon.org
The page says:
A great start for students and young adults — no monthly fee if under age 25
SafeBalance® is certified as meeting Bank On National Account Standards for safe and affordable bank accounts.
You maintain a minimum daily balance of $500 or more in your account
An account owner is under age 25
Safe Debit Account
Bank On listing: “U.S. Bank Safe Debit Account” joinbankon.org
The page says:
U.S. Bank Safe Debit Account has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2016.
360 Checking
Bank On listing: “Capital One 360 Checking Account” joinbankon.org
The page says:
360 Checking is a free checking account that comes with everything you need and without everything you don’t.
Everyday banking for college students 18 and up, with no fees or minimums.
Desert Safe Spend
Bank On listing: “Desert Financial Credit Union Desert Safe Spend” joinbankon.org
The page says:
Certified by Bank On for meeting the National Account Standards as a low-cost account since its launch in 2026.
After six months, you can request a review to determine whether you’re eligible to transition to a Free Checking account, subject to approval.
Primary account holder must meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25.
Desert Safe Spend Account Bank On certified for simple, safe banking.
MyMoney Checking
Bank On listing: “Tucson Federal Credit Union MyMoney Checking Account” joinbankon.org
The page says:
MyMoney Checking meets the Bank On National Account Standards, which means it’s designed to be low-cost, easy to use, and accessible.
OnBudget Banking
Bank On listing: “National Bank of Arizona OnBudget Banking” joinbankon.org
The page says:
Options to Avoid Service Fee per Statement Cycle No fee if 25 years old and under
Fresh Start
Bank On listing: “WaFd Bank Fresh Start” joinbankon.org
The page says:
If you've been denied a bank account in the past, Fresh Start* helps you get back into the banking system with a low, consistent monthly maintenance fee.
Fresh Start account is available to individuals who are unable to open a traditional checking account due to a negative ChexSystems® report, if the account(s) reported to ChexSystems are not classified as fraud and have been paid in full.
Smart Money Checking
Bank On listing: “BMO Smart Money Checking” joinbankon.org
The page says:
This account is certified by Bank On as a safe, low-fee choice.
PNC Simple Checking
Bank On listing: “PNC Bank Simple Checking” joinbankon.org
The page says:
Second chance bank accounts are designed for individuals whose banking history prevents them from opening a regular account.
As a Bank On certified account, PNC Simple Checking is recognized for meeting national standards
Opportunity Banking
Bank On listing: “BOKF Opportunity Banking” joinbankon.org
The page says:
That’s why our Opportunity Banking account has no overdraft fee
Check-Free Banking
Bank On listing: “UMB Check-Free Banking” joinbankon.org
The page says:
No fee for four money orders each service-charge cycle
BankONStearns
Bank On listing: “Stearns Bank, N.A. BankONStearns Account” joinbankon.org
The page says:
With a flat $5 monthly service fee, this non-interest-bearing checking account is hassle-free.
Safe Spending Account
Bank On listing: “Academy Bank Safe Spending Account” joinbankon.org
The page says:
No Muss. No Fuss. No Overdraft Fees.
Safe Spending Account
Bank On listing: “Armed Forces Bank Safe Spending Account” joinbankon.org
The page says:
The Safe Spending Account from Armed Forces Bank offers you the convenience and flexibility you need for daily personal banking without Overdraft fees.
Flex Account
Bank On listing: “First National Bank Texas Flex Account” joinbankon.org
The page says:
This account is officially Bank On certified.
eAccount
Bank On listing: “First National Bank Texas eAccount” joinbankon.org
The page says:
All accounts subject to Non-Sufficient Funds (NSF) Fee of $17 per Item and Overdraft Fee of $34 per Item, except for the eAccount, Flex Account, and Power Stash.
Simple Banking
Bank On listing: “First Interstate Bank Simple Banking” joinbankon.org
The page says:
An affordable easy-to-use account for clients establishing a financial foundation. Designed to be check- and overdraft-free.
No Overdraft Checking
Bank On listing: “BNC National Bank No Overdraft Checking” joinbankon.org
The page says:
No Overdraft Checking A simple checking account with no overdraft fees.
Spending Account
Bank On listing: “Ally Bank Spending Account” joinbankon.org
The page says:
No branches means no monthly maintenance fees, overdraft fees or minimum balance for you.
Everything Account
Bank On listing: “nbkc bank Everything Account” joinbankon.org
The page says:
The nbkc Everything Account does not have monthly fees.
QFlex Checking
Bank On listing: “Quorum Federal Credit Union QFlex Checking” joinbankon.org
The page says:
Apply online to open your QFlex Checking account.
When Quorum reviews a checking or savings account application, we may perform a soft pull on an applicant’s credit report
Money Market Account
Bank On listing: “nbkc bank Money Market Account” joinbankon.org
For people turned down for a regular account because of past banking problems.
Second Chance Checking
The page says:
Anyone who has dealt with banking challenges like unpaid fees or account closures can use this account to start fresh and stay in control.
Fresh Start Spending
The page says:
If you've had difficulties qualifying for a checking account in the past, you're likely to qualify for our Fresh Start Spending account.
Credit unions ask you to become a member first. Each card shows who can join.
Kickstart Checking (youth checking, ages 6-17)
The page says:
Minors aged 6-17 have the additional option of having a Kickstart Checking account.
Kickstart Membership Savings (youth savings, any age)
The page says:
The Kickstart program is open to minors of any age with a Membership Savings account.
Teen Free Checking with Visa Debit Card (ages 13-17)
The page says:
Teen Free Checking with Visa Debit Card is for individuals 13-17 years of age.
Free Student Checking
The page says:
Free Student Checking with No Monthly Maintenance Fee
Teen Checking (Premier Checking, ages 13-17)
The institution’s pages disagree:
The page says:
Once your child reaches 13 years old, they are eligible to open a Teen Checking Account at Arizona Financial.
Teen Savings (ages 13-17)
The page says:
To open a Youth or Teen Savings Account, stop by one of our branch locations.
Youth Savings (ages 12 and under)
The page says:
To open a Youth or Teen Savings Account, stop by one of our branch locations.
Super Saver Club youth savings (ages 12 and under)
The page says:
When children turn 18, Super Saver accounts will convert to Regular Savings accounts.
Youth Main Share Savings Account
The page says:
If Youth Membership will have a Checking account, Youth Applicant must have valid, government-issued photo ID
Youth Savings Account
The page says:
A $5 minimum deposit is required to open the account. Membership eligibility requirements apply.
It's My Money Youth Checking (ages 6-17)
The institution’s pages disagree:
The page says:
Minors ages 16 and 17 may open a checking account without an adult joint account holder
It's My Money Youth Savings
The institution’s pages disagree:
The page says:
Once you turn 18, the account automatically converts to an Everyday Savings account.
NextGEN Youth Checking (ages 0-17)
The page says:
Teach your children good financial habits as early as possible with our NextGEN Youth Checking Account! Ages 0-17 years old
CU Grow Youth (Kids) Savings
The page says:
Please bring your child's social security card and one of the following documents to open the savings account.
CU Succeed Teen Club (ages 13-17; includes FREE Simple Checking)
The page says:
CU Succeed is a savings and financial education program designed especially for teen members, ages 13 to 17.
Youth Savings Account
The page says:
Account must be opened in person. A birth certificate and social security card are required.
RIZE Youth Checking (ages 13-17)
The page says:
Rize Checking is only available to those ages 13-17. Account will auto rollover to a Strive checking account when the minor turns 18. Adult signer required.
Youth membership / Share Savings (age 18 and under)
The page says:
Kids and youth, age 18 and under can become members too! Make an appointment to visit a branch in person as your child's legal guardian and adult co-signer.
Minor membership savings (Basic Savings; military-affiliated families only)
The page says:
Children (including adopted or stepchildren) and grandchildren of existing members are eligible for a youth membership.
Free Campus Checking (ages 14-24; military-affiliated families only)
The page says:
To open a Free Campus Checking account for a member ages 14-17, call 1-888-842-6328 or visit a branch.
Kid's Club Savings (under 18)
The page says:
Available to young savers under 18 years of age.
These are not Bank On certified. Check the fee rules on each card.
Chase High School Checking
The page says:
Account must be opened in-branch with both the parent/guardian and student present.
When the student turns 19, their Chase High School Checking account will convert to a Chase Total Checking account.
MONEY Teen Checking
The institution’s pages disagree:
The page says:
MONEY Teen Checking accounts are only available online.
At 18, they have the option to open a 360 Checking account and transfer their balance from their MONEY Teen Checking account.
Bank Smartly Checking
The page says:
$12 fee is waived for ages 18 to 24.
Account owner age 13-24 or 65 and over, military personnel or qualify for one of our
Apply for both in under 5 minutes with just $25.
From the Bank On National Account Standards (2025–2026). A certified account must meet every line below.
Bank On also lists these as strongly recommended, but not required for certification:
To be certified as meeting the Bank On National Account Standards, accounts must meet the “core features” in the Standards. “Strongly recommended” features are intended to provide additional guidance for Bank On programs when partnering with financial institutions but are not required for certification.
From the Consumer Financial Protection Bureau (CFPB).
“An identification number can be a Social Security number, Individual Taxpayer Identification Number (ITIN), passport number and country of issuance, alien identification card number, or other government-issued identification number.”
files.consumerfinance.gov“Many banks require you to show a U.S. or state government issued identification card with your photo on it, such as a driver’s license, U.S. passport, or military identification.”
files.consumerfinance.gov“If you do not have a U.S. or state government issued form of identification, some banks and credit unions accept foreign passports and consular IDs, such as the Matricula Consular card.”
files.consumerfinance.gov“to open an interest-bearing account, you need a Social Security number or ITIN.”
files.consumerfinance.gov“You usually need to make an initial deposit between $25 and $100 to open a savings or checking account.”
files.consumerfinance.govFrom the CFPB: why it happens, how to get your free report, how to dispute an error and what to try next.
“You may have been unable to open a checking account because a checking account reporting company has negative information in its files about your checking history.”
consumerfinance.gov“Banks and credit unions supply this type of information to checking account reporting companies, such as Chex Systems and Early Warning Services.”
consumerfinance.gov“Nationwide checking account reporting companies must provide you with one free annual report per year, upon request.”
consumerfinance.gov“You also have the right to request a free report if you have received an “adverse action” notice.”
consumerfinance.gov“they can’t include most negative information that’s more than seven years old. In practice, some checking account reporting companies disregard information that is more than five years old.”
consumerfinance.gov“Many banks and credit unions offer checking accounts and prepaid cards that are designed to reduce risks for both you and financial institutions by preventing overdraft and overdraft fees.”
consumerfinance.gov“To dispute inaccurate information on your checking account consumer report, you should file a dispute with the checking account reporting company that compiled the report.”
consumerfinance.gov“You should also file a dispute with the bank, credit union, or company that provided the information to the checking account reporting company.”
consumerfinance.gov“If the investigation does not resolve the dispute to your satisfaction, you also have the right to send a brief statement explaining why you think the record is inaccurate to the checking account reporting company to keep in your file.”
consumerfinance.gov“A second-chance bank account is a reduced-service and reduced-fee account that is generally meant for people who have problems in their banking history and cannot open a regular bank account.”
consumerfinance.gov“Some banks and credit unions require you to pay old charges, like from an involuntary closure or from overdrafts and fees, before you are allowed to open a new account.”
consumerfinance.gov“A number of banks and credit unions offer checking accounts that are designed to let you only spend the money you have in your account; these accounts are intended to prevent you from overdrawing your account, even for checks and online bill pay.”
consumerfinance.govBank On Arizona works to provide access to safe and appropriate financial products and services for underserved communities across Arizona.
Northern Arizona University Career Development: Financial wellness
“Start here to find resources and information about banking, credit, managing debt, saving and investing, and more.”
Source: in.nau.eduUniversity of Arizona Thrive Center: Financial Wellness
“A robust initiative that will equip students with the knowledge and tools they need to manage their finances during college and beyond confidently.”
Source: thrive.arizona.eduBank On Arizona: How To Setup A Bank On Arizona Account
“You will need current government-issued identification. Some banks and credit unions may accept other IDs, as well. Most banks and credit unions will request a second form of ID.”
Source: bankonaz.orgChecked against official pages in November 2026. Fees and rules change; confirm with the bank or credit union before you open an account. This page lists accounts in each institution’s own words. It is not financial advice.