One AZ is like a bank....no better and no worse. I can see no compelling reason to leave my money with them than I do with other institutions. I use one other bank and one credit union besides one AZ. No difference between them except perhaps that 1Az has worse hours.
In terms of loans (which I've done) and credit cards, they are a lot worse. In realty loans it takes an act of God to get the final payout to pay off the loan. Will never go to them for a loan again.
Credit cards: I've had one of theirs for several years. They advertise about rewards but as yet I don't know what they are or how to get them.
The problem, as I see it, is that 1 az subcontracts all parts of their business to others who in turn subcontract to others and the list goes on. Anything you want to do has to filter through all these subcontractors which takes an unbelievable amount of time since none are interested in moving faster than a snails pace.
If you're thinking that 1 az is an Arizona company then think again. They're really based out of California but trying to get anything done leads to subcontractors which are all over, literally, the united states.