We examined the chemical reactions influencing dissolved concentrations, speciation, and transport of naturally occurring arsenic ͑As͒ in a shallow, sand and gravel aquifer with distinct geochemical zones resulting from land disposal of dilute sewage effluent. The principal geochemical zones were: ͑1͒ the uncontaminated zone above the sewage plume ͓350 M dissolved oxygen ͑DO͒, pH 5.9͔; ͑2͒ the suboxic zone ͑5 M DO, pH 6.2, elevated concentrations of sewage-derived phosphate and nitrate͒; and ͑3͒ the anoxic zone ͓dissolved iron͑II͒ 100-300 M, pH 6.5-6.9, elevated concentrations of sewage-derived phosphate͔. Sediments are comprised of greater than 90% quartz but the surfaces of quartz and other mineral grains are coated with nanometer-size iron ͑Fe͒ and aluminum ͑Al͒ oxides and/or silicates, which control the adsorption properties of the sediments. Uncontaminated groundwater with added phosphate ͑620 M͒ was pumped into the uncontaminated zone while samples were collected 0.3 m above the injection point. Concentrations of As͑V͒ increased from below detection ͑0.005 M͒ to a maximum of 0.07 M during breakthrough of phosphate at the sampling port; As͑III͒ concentrations remained below detection. These results are consistent with the hypothesis that naturally occurring As͑V͒ adsorbed to constituents of the coatings on grain surfaces was desorbed by phosphate in the injected groundwater. Also consistent with this hypothesis, vertical profiles of groundwater chemistry measured prior to the tracer test showed that dissolved As͑V͒ concentrations increased along with dissolved phosphate from below detection in the uncontaminated zone to approximately 0.07 and 70 M, respectively, in the suboxic zone. Concentrations of As͑III͒ were below detection in both zones. The anoxic zone had approximately 0.07 M As͑V͒ but also had As͑III͒ concentrations of 0.07-0.14 M, suggesting that release of As bound to sediment grains occurred by desorption by phosphate, reductive dissolution of Fe oxides, and reduction of As͑V͒ to As͑III͒, which adsorbs only weakly to the Fe-oxide-depleted material in the coatings. Results of reductive extractions of the sediments suggest that As associated with the coatings was relatively uniformly distributed at approximately 1 nmol/g of sediment ͑equivalent to 0.075 ppm As͒ and comprised 20%-50% of the total As in the sediments, determined from oxidative extractions. Quartz sand aquifers provide high-quality drinking water but can become contaminated when naturally occurring arsenic bound to Fe and Al oxides or silicates on sediment surfaces is released by desorption and dissolution of Fe oxides in response to changing chemical conditions.