Keep Track of Your Finances 

Keeping track of your finances is an important part of everyday life. Whether you're paying bills at home or using your Visa Debit Card at the market, having the right financial tools can offer you the support you need. Save time, money, and get what you want with an Arbor Financial Credit Union Checking Account.

Checking Accounts


Free Checking

Open Your Account Online

  • No minimum balance or monthly service fees 
  • Instant Issue Visa Debit Card with your choice of PIN 
  • Access to over 37,000 surcharge-free ATMs 
  • Online banking, bill pay and mobile banking 
  • Check images available to view online 
  • Overdraft protection available

Momentum Free Checking

Open Your Account Online

  • High-yield checking account
  • Earn up to 4% APY* on balances up to $15,000
  • No minimum balance or monthly service fees
  • Certain requirements apply. Click to learn more
  • Overdraft protection available

Premier Checking

Open Your Account Online

All the great benefits our Free Checking has to offer,
plus earn dividends with a balance of $2,500 or more!*

*Interest earned on daily balances of $2,500 or more. Minimum
daily balance required to avoid a $25 monthly maintenance fee
is $2,500. Account fees could reduce earnings.

Instant Issue Visa® Debit Card

Take your Arbor Financial Credit Union Visa Debit Card home the same day you open your account!* Your Visa Debit Card allows you to make purchases with fund from your checking account.


  • An instant issue debit card with your choice of PIN
  • Conveniently pay for purchases in stores and online
  • Access your Arbor Financial checking account at more than 37,000 surcharge-free ATMs
  • Swipe and sign for Visa Zero Liability
  • Get Cash back when using your PIN

*Visa Debit Cards requested from our Lawrence branch are available for same-day pickup from our Paw Paw branch. Otherwise, they will be available at the Lawrence branch the following business day.

Setting up Electronic Services for your account?
When setting up direct deposit or electronic payments you will need the following information:
  • Arbor Financial Credit Union's Routing number is 272481871.
  • Your account number is a 12-digit Electronic Fund Transfer (EFT) number and is the second set of numbers
  • See check sample below:

* For those members who have savings accounts only, please contact us for your number.

Electronic Transfer Worksheet

For your use in setting up direct deposit, social security, tax refunds, loan payments, mortgage payments, and more!

Download Now