Exhibit 99.1

                          ANNUAL SERVICER'S CERTIFICATE
                             BANK ONE, ARIZONA, N.A.
                       BANC ONE AUTO GRANTOR TRUST 1996-B



The undersigned, a duly authorized representative of Bank One, Arizona, N.A., as
Servicer (the "Servicer"), pursuant to Section 3.10(a) of the Pooling and
Servicing Agreement dated as of June 1, 1996 (the "Agreement") between the
Servicer, Banc One ABS Corporation, as Seller, and Bankers Trust Company, as
Trustee, does hereby certify on behalf of the Servicer as follows:

1) Bank One, Arizona, N.A., is, as of the date hereof, the Servicer under the
   Agreement.

2) Capitalized terms used in this Certificate have their respective meanings as
   set forth in the Agreement.

3) A review of the activities of the Servicer during the period from January 1,
   1998 to December 31, 1998 (the "Applicable Period") and of its performance
   under the Agreement has been made by me or under my supervision.

4) Based on such review, the Servicer has, to the best of my knowledge,
   fulfilled all its obligations under the Agreement throughout the Applicable
   period and no default in the fulfillment of such obligations has occurred or
   is continuing except as set forth in paragraph 5 below.

5) The following is a description of each default in the performance of the
   Servicer's obligations under the provisions of the Agreement known to me to
   have been made by the Servicer during the year ended December 31, 1998: NONE.


IN WITNESS WHEREOF, the undersigned has duly executed and delivered this
Certificate as of the 31st day of December 1998.



                                      BANK ONE, ARIZONA, N.A., as Servicer




                                      By:    /s/ Tracie H. Klein
                                             -------------------
                                      Name:  Tracie H. Klein
                                      Title: Vice President