Online Banking

Essential Checking

Reestablish your checking credibility.

Start managing your money better with a simple checking account that’s ideal for those who want to reestablish checking credibility. Plus, you’ll have access to online banking, the Arkansas Federal mobile app, and more!

Features & Benefits

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Build Credibility

Reestablish your checking account history and work towards your dreams.

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Early Pay

Tired of waiting for payday? With Arkansas Federal’s Early Pay, you can get paid up to two days early!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.

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Also Included

  • Turn your card on and off, set spending limits, and receive alerts with Card Defend
  • Free online and mobile banking to check your balances, transfer funds, easily apply for loans, and more
  • View your credit score, monitor activity, and learn what impacts your score with Credit IQ
  • Quickly and securely send money to friends and family with Zelle®
  • Online bill pay
  • Access to e-Statements, e-Notices, and e-Alerts
  • Set up Direct Deposit to get your pay safely and conveniently.

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

Call 800.456.3000 or visit your local branch to set up your Essential Checking account today!