Membership Application

About Us & Eligibility to Join

Banner Federal Credit Union - We are not a bank; we are a credit union, a not-for-profit full-service financial institution owned by our members. Our focus is the members we serve, our sponsor Banner Health Systems, and our community. We are glad you have decided to join. Membership eligibility is primarily limited to Banner Health System and Sonora Quest Laboratory employees and small employee groups associated with or affiliated with Banner Health and other health care providers. Patients of Banner Health do not qualify to join.  If you are unsure, verify your eligibility by emailing us at

Please click on the HTML links to review the disclosures prior to continuing with your application. In order to retain, you may print the documents by selecting “Download”. Select your printer and click on OK or select Save to retain a copy on your PC. If you are working on a public computer, you should not engage in online account opening. Federal E-SIGN Act Disclosure and Consent

Due to the Children's Online Privacy Protection Act, you must be at least 13 years of age to apply for an account online. If you are younger than 13 years old, please have your parent/guardian open an account on your behalf at our nearest branch. Thank you.

USA PATRIOT Act and Restricted Use Notice

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account and/or transmits funds to or through a United States financial institution. In certain circumstances, we may also obtain and verify information for any person authorized to make transactions in an account or beneficial owners of certain entities. Therefore, we may be required to collect information such as the following from you:

Your name
Date of birth
Physical Address
Identification number:
U.S. Citizen: taxpayer identification number (Social Security
number or employer identification number)
Non-U.S. Citizen: taxpayer identification number, passport
number, and country of issuance, alien identification card
number, or government-issued identification showing
nationality, residence, and a photograph of you. You may also
need to show your driver's license or other identifying

In order to facilitate the opening of your new account with our institution or receive financial services from our staff, the information we have requested must be verified during the next two business days. During that time, we will place restrictions on your account usage and no transaction will be available until you have funded your account.

Upon verification of your identification documents, these restrictions will be removed. We will contact you at the telephone number/address provided regarding this review. You may also call after two business days to our Main Office at (602) 254-5291 or (800) 467-6633. Please note that other regulatory restrictions related to deposits covered by the Expedited Funds Availability Act or other regulations may be imposed in subsequent transactions. However, we will make every effort to inform you of these situations should they arise.

These steps are required not only to comply with federal law but also to protect our members against financial fraud and identity theft. If you have any questions or concerns, please do not hesitate to call Banner Federal Credit Union.