Online Banking

Everyday Checking

$0 minimum balance, $0 fee and $0 fraud liability.

Which account is for you?

Curious about which account could be right for you? Take our quick quiz and we’ll help point you in the right direction.

Which account is for you?


Enjoy a simple account designed to meet your everyday financial needs without worrying about a minimum balance requirement. Plus, you’ll have access to online banking, the Arkansas Federal mobile app, and more!

Monthly FeeMinimum Balance Required

Features & Benefits

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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.

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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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 My Cards.

More Great Benefits

Extended Warranty Insurance

When you use your debit card, you’ll enjoy double the time period and duplicate the coverage of the original manufacturer’s or U.S. store brand warranty for a maximum of one year.3

$0 Monthly Fee

Enjoy no minimum balance requirements, no monthly fees, and no worries.

Access over 30,000 ATMs

Choose from our network of more than 30,000 ATMs across the country.

Tap to Pay (Contactless)

Pay in seconds with a tap of your card at a contactless-enabled terminal.

Digital Banking

Enjoy convenient, secure 24/7 access to your accounts right from your computer, tablet, or smartphone. Control your card 24/7, monitor your credit score with Credit IQ, pay bills, send secure messages, make digital payments, and so much more.

Digital Wallet

Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.

ID Theft ProtectionTM

Should you become the victim of Identity Theft, Mastercard will assist you with credit bureau notification and debit card replacement and provide you with an ID Theft Affidavit.3

$0 Fraud Liability

You won’t be held responsible for unauthorized charges made with your account or account information.Certain restrictions apply. See for details.

Smiling Family

Also Included

  • Quickly and securely send money to friends and family with Zelle®
  • Online bill pay
  • Access to e-Statements, e-Notices, and e-Alerts
  • Get paid safely and conveniently using Direct Deposit

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

Set up your new account online in under 10 minutes.
Have questions? Call us at 800.456.3000 or visit your local branch.