Premier Checking Account

Get more from your checking account with tiered interest levels that offer increasing monthly returns for higher balances. Plus, there’s no monthly fee if you maintain a balance of $2,500 or more.

See Rates

Premier means first. And it means best. And we mean both.

When you make the Premier Checking Account your first choice, you get the best of both worlds. First, enjoy Arbor Financial checking advantages that include free ATM use and online and mobile banking. Then reap the rewards of monthly dividends that are usually associated with high-yield savings accounts.

Customer using an Arbor debit card to make a payment.

Premier Checking offers first-class service that includes these benefits:

Earn dividends on balances of $2,500 or more*
Free Visa Debit Card with your choice of PIN
Access to 30,000 surcharge-free ATMs
Manage your money through Online Banking, Mobile Banking, and Web Bill Pay
Eligible for Overdraft Protection to avoid costly merchant fees
Enjoy access to your eligible Direct Deposits up to five days sooner - for free - with Early Pay¹!

Premier Checking Account Resources

Take advantage of our additional tools and resources to help you understand and control your finances.

Deposit Rates

How much are you earning on your Premier Dividend Checking account and our savings and retirement accounts?

eServices

We make online banking easier than ever with eStatements.

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.

Credit Checkup

As a member of Arbor Financial Credit Union, you get a free annual credit checkup. It includes a complimentary credit report and FICO credit score.

Frequently Asked Questions About Premier Checking Accounts

: The higher your balance in your Premier Checking Account, the more you earn.

For balances $2,500 - $24,999.99 you earn a dividend of 0.05% APY⁺

For balances $25,000 - $99,999.99 you earn a dividend of 0.10% APY⁺

For balances $100,000 or more, you earn a dividend of 0.20% APY⁺
: Dividends are payments made to credit union members as part owners of the company. By paying our members dividends, we can distribute revenue to the owners. We pay our dividends monthly.
: To avoid a $25 monthly fee, you want to maintain a minimum balance of $2,500 in your Premier Checking Account.

*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. 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.