2023. To qualify for the 6.00% APY, member must have a monthly direct deposit of at least $1,000 going to their Elite Checking, be enrolled in eStatements, be in good standing, and complete 15 monthly transactions of at least $10 each by using their debit card tied to the account. The 15 required transactions must post to the account within the calendar month to receive earnings. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500.00. Only one Elite Checking or Premium Checking account per member is allowed. Offer and rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required.

Find a personal checking account that fits your needs.

Whether you’re opening your first checking account or want a higher return on your balance, we have an account for you. Regardless of which one you choose, you’ll have access to convenient features—pay bills, pay friends, move money, and more—all in one easy, time-saving app. Easily compare checking accounts below and find the best checking account for you.

	Everyday Enjoy a traditional checking account without having to worry about a min. balance.	Premium as high as 4.⁰⁰ % APY APY is Annual Percentage Yield. Premium Checking is a tiered rate variable product. Rate is effective as of 5/31/2023. To qualify for the 4.00% APY, member must be in good standing and complete 10 monthly transactions of at least $1 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts qualify for offer by meeting same criteria. 4.00% APY applies to balances $0–$10,000. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. $15 monthly fee applies if daily balance drops below $2,500. Offer and rates subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required. Have unlimited access to your funds while earning on your balance.	Elite as high as 6.⁰⁰ % APY APY is the Annual Percentage Yield. Elite Checking is a tiered rate variable product. The rate is effective as of 09/01/2023. To qualify for the 6.00% APY, member must have a monthly direct deposit of at least $1,000 going to their Elite Checking, be enrolled in eStatements, be in good standing, and complete 15 monthly transactions of at least $10 each by using their debit card tied to the account. The 15 required transactions must post to the account within the calendar month to receive earnings. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500.00. Only one Elite Checking or Premium Checking account per member is allowed. Offer and rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required. Earn even more just for doing things like using your debit card.
Earn on your balance	No	as high as 4.00% APY APY is Annual Percentage Yield. Premium Checking is a tiered rate variable product. Rate is effective as of 5/31/2023. To qualify for the 4.00% APY, member must be in good standing and complete 10 monthly transactions of at least $1 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts qualify for offer by meeting same criteria. 4.00% APY applies to balances $0–$10,000. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. $15 monthly fee applies if daily balance drops below $2,500. Offer and rates subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required.	as high as 6.00% APY APY is the Annual Percentage Yield. Elite Checking is a tiered rate variable product. The rate is effective as of 09/01/2023. To qualify for the 6.00% APY, member must have a monthly direct deposit of at least $1,000 going to their Elite Checking, be enrolled in eStatements, be in good standing, and complete 15 monthly transactions of at least $10 each by using their debit card tied to the account. The 15 required transactions must post to the account within the calendar month to receive earnings. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500.00. Only one Elite Checking or Premium Checking account per member is allowed. Offer and rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required.
Min. Balance	$0	$2,500 (to avoid monthly fee)	$2,500 (to avoid monthly fee)
Transactions Required	None	10 monthly transactions of $1 or more²	15 monthly debit card transactions of $10 or more¹
Direct Deposit Required	None	None	$1,000+/month
eStatements Enrollment Required	No	No	Yes
Get paid up to two days early with Early PayDirect 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.
Round up purchases and send the difference to savings with Cents to Savings
Turn your card on/off, set spending limits, and more with My Cards
Manage your accounts 24/7 with Digital Banking
View your credit score and monitor activity with Credit IQ
Free and convenient online Bill Pay
e-Statements, e-Notices, and Alerts
Send money to friends and family with Zelle®Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
	Learn More	Learn More	Learn More

	Elite as high as 6.⁰⁰ % APY APY is the Annual Percentage Yield. Elite Checking is a tiered rate variable product. The rate is effective as of 09/01/2023. To qualify for the 6.00% APY, member must have a monthly direct deposit of at least $1,000 going to their Elite Checking, be enrolled in eStatements, be in good standing, and complete 15 monthly transactions of at least $10 each by using their debit card tied to the account. The 15 required transactions must post to the account within the calendar month to receive earnings. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500.00. Only one Elite Checking or Premium Checking account per member is allowed. Offer and rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required. Earn even more just for doing things like using your debit card.
Earn on your balance	as high as 6.00% APY APY is the Annual Percentage Yield. Elite Checking is a tiered rate variable product. The rate is effective as of 09/01/2023. To qualify for the 6.00% APY, member must have a monthly direct deposit of at least $1,000 going to their Elite Checking, be enrolled in eStatements, be in good standing, and complete 15 monthly transactions of at least $10 each by using their debit card tied to the account. The 15 required transactions must post to the account within the calendar month to receive earnings. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500.00. Only one Elite Checking or Premium Checking account per member is allowed. Offer and rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required.
Min. Balance	$2,500 (to avoid monthly fee)
Transactions Required	15 monthly debit card transactions of $10 or more¹
Direct Deposit Required	$1,000+/month
eStatements Enrollment Required	Yes
Get paid up to two days early with Early PayDirect 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.
Round up purchases and send the difference to savings with Cents to Savings
Turn your card on/off, set spending limits, and more with My Cards
Manage your accounts 24/7 with Digital Banking
View your credit score and monitor activity with Credit IQ
Free and convenient online Bill Pay
e-Statements, e-Notices, and Alerts
Send money to friends and family with Zelle®Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
	Learn More

	Premium as high as 4.⁰⁰ % APY APY is Annual Percentage Yield. Premium Checking is a tiered rate variable product. Rate is effective as of 5/31/2023. To qualify for the 4.00% APY, member must be in good standing and complete 10 monthly transactions of at least $1 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts qualify for offer by meeting same criteria. 4.00% APY applies to balances $0–$10,000. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. $15 monthly fee applies if daily balance drops below $2,500. Offer and rates subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required. Have unlimited access to your funds while earning on your balance.
Earn on your balance	as high as 4.00% APY APY is Annual Percentage Yield. Premium Checking is a tiered rate variable product. Rate is effective as of 5/31/2023. To qualify for the 4.00% APY, member must be in good standing and complete 10 monthly transactions of at least $1 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts qualify for offer by meeting same criteria. 4.00% APY applies to balances $0–$10,000. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. $15 monthly fee applies if daily balance drops below $2,500. Offer and rates subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required.
Min. Balance	$2,500 (to avoid monthly fee)
Transactions Required	10 monthly transactions of $1 or more²
Direct Deposit Required	None
eStatements Enrollment Required	No
Early PayDirect 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.
Cents to Savings
My Cards
Digital Banking
Credit IQ
Online Bill Pay
e-Statements, e-Notices, and e-Alerts
Zelle®Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
	Learn More

	Everyday Enjoy a traditional checking account without having to worry about a min. balance.
Earn on your balance	No
Min. Balance	$0
Transactions Required	None
Direct Deposit Required	None
eStatements Enrollment Required	No
Early PayDirect 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.
Cents to Savings
My Cards
Digital Banking
Credit IQ
Online Bill Pay
e-Statements, e-Notices, and e-Alerts
Zelle®Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
	Learn More

Essential Checking

Manage your money with a simple checking account ideal for those who want to reestablish checking credibility.

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Features in all Checking Accounts

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 Early Pay.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.

Save Automatically

With Cents to Savings, we’ll round up your debit card purchases to the nearest dollar and send the difference to your savings.

Enjoy a $0 monthly fee and a $0 minimum balance

With the everyday checking account

Open Account

Digital Tools

View your credit score, monitor activity, and learn what impacts your score with Credit IQ
Free online and mobile banking to check your balances, transfer funds, easily apply for loans, and more
Quickly and securely send money to friends and family with Zelle®Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Convenient, Secure Features

Get your pay safely and conveniently with direct deposit.
Enjoy online bill pay, as well as access to e-Statements, e-Notices, and e-Alerts.
Add Apple Pay, Google Pay or Samsung Pay to your credit or debit card.
Enroll in overdraft protection, text alerts, and fraud protection. Plus, turn your card on and off, set spending limits, and receive alerts with My Cards.

Online Banking