Free Checking Account

It’s the very definition of free and easy. You’ll never find any fees, but you will find it easy to access your money at home or on the road.

These advantages make our Free Checking Account an easy choice

Our goal is to make checking easy and choosing the best checking account for you even easier. That’s why we’ve loaded our Free Checking Account with benefits you can’t say no to.

Arbor member shopping at the grocery store.

No Monthly Fees

With our Free Checking Account, you can bank without paying a monthly service charge.

No Minimums

Don’t worry about meeting the minimum balance requirements. Open your account with the amount that works best for you.

Free ATMs

Punch in your PIN to get fast cash at an ATM. Pull out your Visa debit card to make a quick store purchase. Push a few buttons on your computer or smartphone to get the bills paid. Total fees involved? Zero. Level of convenience? A perfect 10. You will have access to 30,000 surcharge-free ATMs, locate one today.

Find an ATM

Online Banking

Manage your Free Checking Account anytime with online banking that you can take advantage of at your convenience.

Mobile Banking

When you’re on the go, you can use mobile banking via our mobile app to stay up to date and manage your Free Checking Account.

Bill Pay

Use our free bill pay system to schedule automatic payments of recurring bills and send reminders when payments are due. Now you never have to worry about missing another payment due date.

Overdraft Protection

Overdrafts can happen to anyone, so we have overdraft protection options that can minimize your fees and ensure your expenses are paid. You can link to your savings account, access a line of credit or utilize one of our other options to cover your expenses.

Set up electronic services for your account:

Receiving your paycheck through direct deposit and setting up electronic payments using your Arbor Free Checking account is easy.

All you need is:

Our routing number - 272481871
Your account number, which is a 12-digit Electronic Fund Transfer (EFT) number and the second set of numbers on the bottom of your check.

Direct deposit will be finalized through your employer's human resources department. If you need additional help setting up these services, please use this worksheet.

Free checking account resources

Free Credit Checkup

Get an annual credit checkup to review your financial situation with one of our credit professionals to ensure your financial health is in good shape.

Financial Coaching

With financial coaching, you’ll learn the proper techniques needed to make smart decisions with your money. From monthly budget plans to debt repayment strategies, our experts are ready to help you thrive financially.

Grow & Achieve Blog

Our finance blog features a variety of articles touching on topics most important to you on your financial journey, including homeownership, borrowing money, and securing auto loans.

Frequently asked questions about our Free Checking Account

To open your Free Checking Account, you can apply online or visit one of our branches to complete the process. To sign up, you will need:

Your Social Security Number or Individual Taxpayer Identification Number.
Your Driver's License, State ID, Military ID, or Passport.
To be 18 years of age or older. Under 18? Please stop by any location to open your account.
If you are opening your new account with funds from another financial institution, you'll need their routing number and account number.
If you are opening your new account with a debit or credit card, you'll need the card number, expiration date, and CVV code.
Want another person to sign on the account with you? They will need to enter and validate their personal information.

You don’t pay fees with our Free Checking Account. So no monthly service fees or ATM fees. We even work with you to prevent overdrafts, so you don’t have to pay overdraft fees. The only time you’ll be responsible for a fee is for services such as overdrafting or stopping payment on a charge.

Yes! We provide a free Visa Debit Card to use for your convenience. Set your own personal identification number (PIN) as an added layer of protection for your debit card purchases.

Whether you want to deposit $0, $100, or $1,000 in your account, the choice is yours. We don’t have minimum balance requirements, so you can open your account with the amount that works best.