Momentum Checking

Earn 4.00% APY* and get more control over how you manage your money digitally with Arbor Financial.

Open an Account

Earning 4.00% APY* is as easy as 1...2...3...

Direct Deposit

Make at least $500 in direct deposits into your free Momentum Checking account each month.


Enroll in eStatements. At Arbor Financial, we believe in cutting down on paper use and saving trees.

High Returns

Pick up the pace of your debit card use. Earn higher returns on balances up to $15,000.

Arbor customer using tap to pay.

10-19 monthly debit card purchases will earn 0.75% APY*

20-29 monthly debit card purchases will earn 1.50% APY*

30 or more monthly debit card purchases will earn 4.00% APY*

  • Open an Account
  • Apply Online

Contact Us
Call: 800.422.7340

Put Your Money To Work

Arbor customer paying with an Arbor credit card.

Access to ATMs

You'll get free access to 30,000 surcharge-free ATMs throughout Michigan and across the nation.

Mobile Bank

Mobile services can help you manage your money quickly and safely all from palm of your hand.

Free Checking

Not only is this account free; but any fees that you could encounter will be disclosed to you, so you don't have to worry about seeing additional charges in your checking account.

Switch to a Free Momentum Checking Account

  • Open an Account
  • Contact Us

*Annual Percentage Yield (APY) as of 8/1/2022. 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. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.

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.