as high as
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 0.15% 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.

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 and Benefits

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Earn up to 1.00% APY1 on your balance! That’s right. With Rewards Plus Checking, we reward you for banking with us, not the other way around.

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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.

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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.

Rewards Plus

Enjoy unlimited access to your funds while earning up to 1.00% APY!1


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

Rewards Limited

Manage your money with a simple checking account ideal for those who want to reestablish checking credibility, all while earning rewards.

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.