Arizona Bank & Trust

37 Reviews

Arizona Bank & Trust is not your ordinary community bank! They are a growing, dynamic local bank that is strengthened by Heartland Financial USA, Inc., a multi-billion-dollar financial services company that has been named a Forbes Best Bank. Their clients choose to bank with them because of their robust product offerings, high-touch service, and... show more

Arizona Bank & Trust Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/11/2025.

3.4

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Allan Draper
November 11, 2019 • @allan

I was with AZ B&T for several years. The relationship was great for a while. The business banker I was with left and was replaced by Bob Aggarwal. In addition to being unprofessional, I was never able to fully trust Bob. While it will be a process, I am going to move all of my accounts, loans, lines of credit, credit cards, etc. to another bank. AZ B&T overall is not necessarily a bad bank. But Bob, who just came over from Bank of America (I believe) does not fit in. I only had contact with him a couple of times before I realized he was a bad fit. He never treated us like a partner. And that is exactly what I am looking for.

Product: Arizona Bank & Trust Business Services

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Frank Avalos
August 13, 2012 • @Sohlito

During our time in Arizona, my wife and I had an account with Arizona Bank & Trust, and we both honestly remember them fondly as we were both genuinely satisfied with the overall quality of service that we received. When we were first opening the account, the employee that helped us explained everything clearly and detailed exactly what we could expect from them. Unlike some other banks and even credit unions that we had experience with, they never once tried to hit us with any unexpected fees or charges. The rates on loans were relatively low, and as a result we wanted to take out an auto loan, but ultimately decided it wasn't right for us at the time. The only real gripe I had with them was at the time the ATM machines they had seemed a bit outdated and a little finicky. But this was definitely one of the better banking experiences we had.

Product: Arizona Bank & Trust Checking

Comment

+ 2 WalletHub users submitted a rating without writing a full review
+ 33 ratings from across the web

Review Arizona Bank & Trust

Arizona Bank & Trust Offers

Business Services

Car Loans

Checking

Credit Cards

Home Equity

Investments

Mortgages

Personal Loans

Savings

CDs

Arizona Bank & Trust Q&A(3 questions)

Get answers to your questions about Arizona Bank & Trust below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

What's the starting credit limit for an Arizona Bank & Trust credit card?

Elias Chambers

The starting credit limit for an Arizona Bank & Trust credit card is $500.

For their secured card, $500 is the minimum security deposit needed to open an account. If you apply for the Arizona Bank & Trust's unsecured card, your credit limit will be determined based on factors such as your income, existing debts and overall creditworthiness, but won't be lower than $500.

If you're not satisfied with your initial credit limit, and you have a secured card, you could add to your security deposit to increase it.

In case of an unsecured card, you could request an increase after at least 6 months of responsible credit utilization, by calling 1-877-280-1857. Keep in mind that an increase isn't guaranteed and could result in a hard pull on your credit, which may lower your score for a short period of time.

Upvotes

Is Arizona bank and trust having financial troubles? Are they paying their bills?

Upvotes

Does AZ B&T have a Trust management service? If so what is the minimum trust value required?

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Arizona Bank & Trust Contact

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602-381-2234

opens at: 2pm

2036 East Camelback Road

Phoenix, AZ 85016

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