Why an Arbor Momentum Checking Account Might be Best for You

Published On:
October 03, 2023

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A checking account is one of the basic building blocks of our financial lives where we put the money for our daily needs. There are many different checking accounts to choose from including Arbor Financials Momentum Checking Account. Here are a few of the key features that make the Momentum Checking Account unique and may suit your lifestyle. 

Program Basics 

This checking Account is best for people who use their debit card regularly. The more you use your card, the more you earn; in fact, you can earn up to 4.00% APY on $15,000. 

Track Your Progress Towards 4.00% APY

A convenient tracker is found within Mobile & Online Banking, so you can easily track your progress to the next earning level. Your APY is calculated monthly and applied to your account. If you don't meet the minimum debit card purchases to earn interest, that's okay. The account has no monthly service fees or minimum requirements. Plus, earning 4.00% APY is even faster, now you just need 20 debit card swipes to earn the highest yield! 

Watch the video below to learn how to use the Momentum Checking Tracker.


Early Pay Up to Five Days Sooner

With Early Pay,1 you'll get your direct deposits up to 5 days sooner- for free!  Early Pay is a free, automatic benefit for members, with no fee or strings attached. When your direct deposit information is received from your employer, Arbor will make the payment available to you as soon as we receive it, up to five days sooner!


Digital Wallet Access 

Leave your wallet in your pocket, or at home, and know your card is safely with you in your digital wallet, wherever you go. To use it, simply tap your phone toward the point of sale for a fast and easy transaction. It’s easy to get started to enjoy the convenience of having your card (without the plastic) when you are on the go. 

It’s free, we mean it!


Arbor’s Free Momentum Checking account features no minimum dollar amount, no maintenance fees, no hidden or monthly fees, and access to 30,000 fee-free ATMs. Any fees are 100% disclosed to you when you open your account, so you never have to worry about hidden charges hitting your account. Members also receive a free debit card at account opening for you to use and enjoy right away.

Arbor’s momentum checking account is built to help you gain momentum to achieve your financial goals faster. So, what are you waiting for?

Open an Account

Start with Direct Deposit

1. Direct deposits and other Automated Clearing House (ACH) credits may post to your account up to five days early with the Early Pay service. The Early Pay service is dependent upon when the deposits are originated from the sender and received by the Credit Union, and we cannot guarantee deposits will post prior to their anticipated settlement date. The Credit Union is not responsible for delays in posting due to unforeseen circumstances. The Credit Union, in its sole discretion, may determine whether certain deposit payments, deposit types, or member accounts are excluded from the service. The terms and conditions for Early Pay are subject to change, at any time, without advance notice. Not applicable to business, loan, or mortgage accounts.

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