Earn More with Rewards Plus Checking

Routing Number: 282075028

Checking Accounts

Earn More Here!

Get up to 1.00% APY1, and earn rewards with Arkansas Federal Rewards Plus Checking.

24/7 Access

Check balances, transfer funds, and pay bills from your desktop or phone. Plus, enjoy free mobile deposits and access to more than
30,000 surcharge free ATMs.

Peace of Mind

Enjoy overdraft protection, text alerts, and fraud protection. Plus, turn your card on and off, set spending limits, and receive alerts with Card Defend.


Put your money to work for you. You can earn not only up to 1.00% APY1, but you also get 1 point for every $2 you spend, which you can redeem for travel, electronics, and more.

Early Pay

Tired of waiting for payday? Connect your direct deposit to your Arkansas Federal checking account and get paid up to two days early with
Arkansas Federal's Early Pay5.

Checking Account Options

Earn More!
  Rewards Limited Rewards Rewards Plus
Best if you want: To reestablish checking credibility while earning rewards To earn rewards without having to worry about a minimum balance To earn interest off your checking account balance while earning rewards
Dividends 1.00% APY1 on balances up to $15,000.00
Rewards 1 point for every $2 spent with signature 1 point for every $2 spent with signature 1 point for every $2 spent with signature
Monthly fee $10 ($0 if min. balance maintained)2 $0 $15 ($0 if min. balance maintained)3
Minimum balance $500 to avoid monthly fee $0 $2,500 to avoid a monthly fee
Early Pay5
Privilege Pay
Online & Mobile Account Access
Internet Bill Payment
e-Statements, e-Notices, and
Card Defend
  Open Account Open Account Open Account

Need More Freedom?

Open a Freedom Money Fund Account. Enjoy an everyday checking account that is straightforward and uncomplicated to manage your day-to-day expenses. There’s no minimum balance or transactions required. Get free access to mobile and online banking, overdraft protection options, and more. Plus, if you maintain a balance of $1,000, you’ll also get a dividend return rate of 0.01% APY. 1

Start getting early direct deposit in three easy steps

Number 1

Complete a Form

Complete our direct deposit form with your information.

Number 2

Submit it

Submit the form to your employer's (or benefit provider's) payroll department.

Number 3


Enjoy your early payday!5

Go Cashless

Make purchases with Apple Pay, Google Pay, or Samsung Pay. Send anyone money with Arkansas Federal's People ePay.

Apple Pay logo
Google Pay logo
Samsung Pay logo
People ePay logo

When you add Apple Pay, Google Pay or Samsung Pay to your credit or debit card, you not only save time at checkout, your payments are safer. Click on each provider logo above for information regarding setup, use and number of cards you can load in each mobile wallet.

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Photo of Chole Cox

I enjoy being a member of Arkansas Federal because they are always helpful when I need something. I have had a positive experience working with Arkansas Federal because their customer service is spectacular.

— Chloe Cox

Related Products & Services

Money Market Account

  • Earn high dividend rates
  • Earn up to 0.50% APY4
Open An Account

Member Freedom Money Fund

  • Freedom to earn more
  • No minimum balance
Join Now


  • Ready to earn more?
  • Earn more with our regular or jumbo certificates
Start Earning Today

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1. APY is Annual Percentage Yield. Rewards Plus Checking is a tiered variable rate product. To qualify for the 1.00% Rewards Plus checking account, members are required to complete 10 monthly transactions of at least $1.00 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Members who currently have a Rewards Plus Checking account that is inactive can qualify for the offer by meeting the same criteria. 1.00% APY currently applies to balances of $0 - $15,000. Balances of $15,000.01 - $25,000.00 earn 0.25% APY. Balances of $25,000.01 and more earn 0.01% APY. Fees could reduce earnings. Earn 1 point for every $2.00 spent through your Arkansas Federal debit card. A monthly fee of $15 applies if the daily balance drops below $2,500.00. Offer and rates subject to change. Certain exclusions may apply.

2. $10.00 monthly service fee UNLESS the member completes 5 debit card transactions, then fee is $5.00. If the member completes 5 debit card transactions AND maintains a minimum balance of $500.00, then the fee is ZERO ($0.00).

3. None, if $2,500 minimum balance is maintained. Otherwise a $15.00 monthly fee is assessed.

4. APY is Annual Percent Yield. Refer to rate schedule for details. $15 monthly fee if daily balance drops below $2,500 balance. Limited 6 total withdrawals per month. $3 fee for additional withdrawal. If excessive withdrawals occur, the account could be converted to a Member Freedom Money Fund. Offer and rates subject to change. Certain exclusions may apply. Membership with Arkansas Federal Credit Union is required for this offer.

5. Direct deposit and earlier availability of funds in your Arkansas Federal account are subject to your employer/payer, or benefit provider’s funding. Actual payment dates may vary.