Get paid up to two days earlier.

Routing Number: 282075028

Early Pay

What’s better than getting paid?

Getting paid early, that’s what. With Arkansas Federal’s Early Pay1 you can receive your paycheck or government check up to two days early with direct deposit.

Plus, Enjoy These Great Benefits

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.


Put your money to work for you. Not only can you earn up to 1.00% APY2, but you also get 1 point for every $2 you spend to redeem for travel, electronics, and more.

Card Defend

Lose your card? Want to control spending? With Arkansas Federal's Card Defend, you can turn your card on and off, set spending limits, and receive alerts.

We've Got A Checking Account For You

  Rewards Limited Rewards Rewards Plus
Best if you want: To reestablish checking credibility 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% APY2 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 $03 $0 $04
Minimum balance $0 $0 $2,500 to avoid a monthly fee
Early Pay
Privilege Pay
Online & Mobile Account Access
Internet Bill Payment
e-Statements, e-Notices, and
Card Defend
  Open Account Open Account Open Account

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.

Ready to Sign Up?

Already a member?

Add Account

Not yet a member?

Join Today
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


1. 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.

2. 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 0.50% APY. Balances of $25,000.01 and more earn 0.05% APY. Fees could reduce earnings. Earn 1 point for every $2.00 spent through your Arkansas Federal debit card. A monthly fee of $12.50 applies if daily balance drops below $2,500.00. Offer and rates subject to change. Certain exclusions may apply.

3. $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).

4. None, if $2,500 minimum balance is maintained. Otherwise a $12.50 monthly fee is assessed.