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Checking for All of Your Needs


Discover your go-to checking and savings accounts here at Arbor Financial Credit Union with options that fit all your financial goals.

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Compare Checking Accounts to Find the Right One for You

 

Free Checking

Momentum Checking

Premier Checking

Select Checking

Volt Banking

Best Account for
Members who want an everyday free checking account
Members who use a debit card and want to earn a high yield on an everyday checking account
Members earning a higher yield by maintaining a monthly balance of $2,500+
Members who would like the high yield of a CD, but without being locked in to a specific term.
Young adults age 19-24 who would like help managing their money and would like reduced fees.

APY
N/A
4.00% APY*
.20% APY**
3.00% APY1
N/A

Minimums and Fees
  • No Minimum
  • No monthly service fee
  • No minimum opening deposit
  • No Minimum
  • No monthly service fee
  • No minimum opening deposit
  • $2,500 Minimum
  • No monthly service fee if you maintain a balance of $2,500
  • No minimum opening deposit
  • No Minimum, but must have $250,000 to earn the highest yield
  • No monthly service fee
  • No minimum opening deposit
  • No Minimum
  • No monthly service fee
  • No minimum opening deposit
  • All fees are significantly reduced

Key Features
 

 

Momentum Checking

Earn up to  4.00% APY* on your balance the more you use your debit card. With Arbor Financial, it pays to shop.

Free Checking

Keep moving ahead with no minimum balance or monthly service fees slowing you down.

Premier Checking

Sizable dividends and easy access to your money are right at your fingertips with Premier Checking.

Volt Account

Giving teens and young adults the power to take charge of their money (and parents the peace of mind to let them).

Learn More: Ages 9-18

Learn More: Ages 19-24

Select Checking 

Earn outstanding monthly dividends typically associated with Certificates of Deposit, along with easy access to your funds.
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Business Checking 

Learn more about our many business checking Account options to help your business grow. 

Earn up to 4.00% APY*

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Why choose Arbor for your personal banking?

Arbor Financial Credit Union members get more through their membership. From high-return savings accounts and low-interest loans, to awesome membership discounts and expert financial advice, our members have access to everything they need for financial success. Our checking accounts come with loads of free features and are paired with the latest technology for speed and accessibility. No, we're not a bank; we are a people-first financial institution that is here for you!

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Personal Checking FAQs

Ready to get started?

  • Open an Account
  • Apply Online

Contact Us
Call: 800.442.7340

Learn to Manage Your Wealth

Financial literacy is everything. Get help understanding your saving and investment options by meeting with a licensed insurance agent for free. As an account holder, you’ll receive support building a custom strategy that will help you reach your financial goals.

Learn More About How to be Financially Healthy

Customer paying with an Arbor credit card.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the US to use Zelle.

*Annual Percentage Yield (APY) as of 1/1/2025. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. $500 minimum direct deposit and enrollment in eStatements required. Minimum 10 debit card purchases are required to receive any interest. One Momentum Checking account per member. Rate is variable and subject to change.

** Interest earned on daily balances of $2,500 or more. The minimum daily balance required to avoid a $25 monthly maintenance fee is $2,500. Account fees could reduce earnings. Annual Percentage Yield (APY) earned on Arbor Financial Credit Union's checking programs are calculated by the daily balance method. Dividends are compounded and paid monthly. The dividend rate and APY are variable and may change at any time as determined by the Board of Directors. Fees may reduce earnings on the account. APY shown is accurate as of October 1, 2022.

1. Annual Percentage Yield (APY) earned on Arbor Financial Credit Union's checking programs are calculated by the daily balance method. Dividends are compounded and paid monthly. The dividend rate and APY are variable and may change at any time as determined by the Board of Directors. Fees may reduce earnings on the account. APY shown is accurate as of January 1 2025. Interest earned on daily balances of $250,000 or more. If the balance is below $250,000, you will earn 0.01%.

2. 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.