Select Checking Account

Earn 3.50% APY* on balances of $250,000 and greater without being locked into a specific term, and make transactions whenever you need them. 

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With a Select Checking Account Earn High Interest with No Fees and No Minimums 

Enjoy Arbor Financial's Select Checking Account with no fees, no minimums, and direct deposits up to 5 days early with Early Pay+. You'll reap the rewards of outstanding monthly dividends that are typically associated with Certificates of Deposit. Plus, you'll receive the saftey and peace of mind of knowing your funds are federally insured by the NCUA1.

Earn High-Yield Dividends 

When you have $250,000 or more in your checking account you can earn up to 3.50% APY*. 

No Fee Checking and No Minimum Balance Requirements 

Enjoy the perks of no-fee checking and no minimum balance requirements. Transfer and use your checking account as much or as little as you'd like with no penalty for dropping below $250,000. 

Early Pay Up to 5 Days Early

Enjoy access to your eligible Direct Deposits up to five days sooner-for free with Early Pay

Visa Debit Card

Enjoy a Visa Debit Card with your choice of PIN as soon as you open your account. 

Surcharge-Free ATM Access 

Access your money with one of the 30,000 surcharge-free ATM's in our network. Find an ATM near you! 

Mobile & Online Banking Access 

Manage your money through our easy to use Online Banking, Mobile Banking, plus complementary Web Bill Pay, and remote deposit capabilities. 

Complimentary Checks

Enjoy complimentary checks on this account.  

Overdraft Protection 

Sign up for Overdraft Protection to avoid costly merchant fees. 


Use Zelle as a convenient way to send money quickly and safely using your mobile banking app or online banking account.

Frequently Asked Questions 

1. Funds are federally insured through the NCUA up to $250,000 per depositor, for each account ownership category. 

* 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. Fees may reduce earnings on the account. APY shown is accurate as of January 1, 2024. Interest earned on daily balances of $250,000 or more. If the balance is below $250,000, you will earn 0.01%.

+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.