Choosing the right checking account is essential for managing your finances comfortably and efficiently—especially in retirement. At Sun Canyon Bank, we offer a range of checking account options designed to meet the unique needs of our community in Sun City and Sun City West. But how do you know which one is right for you? Let’s break down your options to help you make the best choice.

1. Sun Canyon Simplified Checking

This account is perfect for everyday banking with no fuss and easy access to your money.

Key Features:

  • $50 minimum opening deposit
  • No monthly fee if you meet one of the following:
    • $500 daily balance OR $2,500 combined balance in this account, identified checking, savings, money market, or minimum balance in certificate of deposit and/or IRAs
    • Two direct deposits per statement cycle
    • Eight Sun Canyon Visa® Debit Card purchases per statement cycle
    • Account holder is military, including active duty, reserves, or veterans (with proof of military status), a student (24 or younger with proof of student status), or age 60 or over
  • Digital Banking, including mobile check deposit and free online statements
  • Free bill pay

Why Choose This Account?

If you want straightforward banking without unnecessary fees, Simplified Checking is a great option. It is ideal for retirees who want easy access to their funds while potentially avoiding monthly charges.

2. Sun Canyon Interest Checking

The Sun Canyon Interest Checking account is ideal for those who want to grow their balance while having the flexibility of a checking account.

Key Features:

  • $50 minimum opening deposit
  • Earns interest on balances over $2,500 with tiered interest rates1
  • No monthly fee if you maintain:
    • $5,000 daily balance OR $20,000 combined balance in identified checking, savings, money market, or minimum balance in certificate of deposit and/or IRAs
  • Free foreign ATM transactions2
  • Free standard checks for the first order and 50% off future orders
  • Free online and paper statements, cashier’s checks, and money orders

Why Choose This Account?

If you maintain a higher balance and want your money to work for you, this account rewards you with competitive interest rates. It is ideal for those looking to earn while they spend.

3. Sun Canyon Private Banking Checking

Private Banking3 is for qualified customers seeking personalized service and exclusive perks.

Key Features:

  • No fees on everyday banking4
  • Dedicated Private Banker for tailored financial solutions
  • Increased limits on our product suite, including debit cards and mobile banking
  • Free basic checks, cashier’s checks, and paper statements

Why Choose This Account?

If you want a more personalized banking experience and access to premium benefits, Private Banking is for you. It is a great choice for those who value exclusive service and convenience.

Which Account Is Right For You?

  • Choose Simplified Checking if you want a straightforward account with digital banking options
  • Choose Interest Checking if you maintain higher balances and want to earn interest
  • Choose Private Banking if you value personalized service and premium benefits

Comparing Sun Canyon Checking Accounts

Feature

Simplified Checking

Interest Checking

Private Banking Checking

Minimum Opening Deposit

$50

$50

Varies

Monthly Fee

$5 (waivable)

$5 (waivable)

No fees

Interest

No

Yes (tiered rates1)

Yes

Free Foreign ATM Transactions

No

Yes

Yes

Free Standard Checks

No

Yes (first order)

Yes

Personal Banker

No

No

Yes

Learn more: Checking Account | Sun Canyon Bank

Get Help At Sun Canyon Bank Today

At Sun Canyon Bank, we are dedicated to helping our Sun City and Sun City West communities find the right financial solutions for every stage of life. Whether you are looking for a basic account or premium banking with personalized service, we have options designed with you in mind.

Ready To Get Started?

Learn more about our checking accounts by clicking the button below or visit us at our local branch in Sun City or Sun City West.

1Sun Canyon Interest Checking has a minimum deposit of $50 to open account and minimum $2,500 to earn interest. Tiers for Sun Canyon Interest Checking include: $2,500-$24,999.99; $25,000-$49,999.99; $50,000+. Rates subject to change without notice. Fees may reduce earnings on the account. Withdrawal limitations apply. 2No Sun Canyon fee on up to eight (8) non-Sun Canyon ATM transactions, or up to $25, per statement cycle. 3Contact your local branch for full details. 4Everyday banking includes Private Banking personal and business checking, digital banking, money market and CD accounts, debit card and ATM use.