Checking
as high as
4.00
%
APY
APY is Annual Percentage Yield. Premium Checking is a tiered rate variable product. Rate is effective as of 08/04/2022. To qualify for the 4.00%, 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. 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.

Find a personal checking account that fits your needs.

We offer several checking account options, including no monthly fee and high yield options. All of our accounts come with modern must-haves, making it easy to manage your money on the go and enjoy benefits that help you get more out of your money.

Features & Benefits

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.

Illustration of man with piggybank

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.

Illustration of woman with lock

24/7 Card Control

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

Premium Checking

Enjoy unlimited access to your funds while earning as high as 4.00% APY APY is Annual Percentage Yield. Premium Checking is a tiered rate variable product. Rate is effective as of 08/04/2022. To qualify for the 4.00%, 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. 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. on your balance! That’s right. With Premium Checking, we reward you for banking with us, not the other way around.

Everyday Checking

This account allows you to do everything from paying bills and making deposits, all without having to worry about a minimum balance.

Essential Checking

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

Go Cashless

When you add Apple PayGoogle Pay or Samsung Pay to your credit or debit card, you not only save time at checkout, your payments are safer. Click the logos below for information on how to get started.

Apple Pay
Samsung Pay
Google Pay

Get Started Now. It's Easy!

We make it easy to get started. Have questions and want to talk? We're here for you.
Call us at 800.456.3000 or visit your local branch.