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Checking

Find the right checking
account for you.

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4.6 out of 5 stars based on 6,010 reviews

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. The rate is effective as of 5/31/2023. To qualify for the 4.00% APY, the 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 within the calendar month to receive earnings. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts can qualify for this offer by meeting the same criteria. When all requirements are met, 4.00% APY applies to balances up to $10,000, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500. Offer and rates are subject to change. Exclusions may apply. Refer to the 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, the 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. When all requirements are met, 6.00% APY applies to balances up to $10,000.00, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also 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 rates are subject to change. Exclusions may apply. Refer to the 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 balanceNo as high as 4.00% APY APY is Annual Percentage Yield. Premium Checking is a tiered rate variable product. The rate is effective as of 5/31/2023. To qualify for the 4.00% APY, the 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 within the calendar month to receive earnings. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts can qualify for this offer by meeting the same criteria. When all requirements are met, 4.00% APY applies to balances up to $10,000, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500. Offer and rates are subject to change. Exclusions may apply. Refer to the 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, the 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. When all requirements are met, 6.00% APY applies to balances up to $10,000.00, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also 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 rates are subject to change. Exclusions may apply. Refer to the 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 RequiredNone10 monthly transactions of $1 or more215 monthly debit card transactions of $10 or more1
Direct Deposit RequiredNoneNone$1,000+/month
eStatements Enrollment RequiredNoNoYes
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 MoreLearn MoreLearn 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, the 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. When all requirements are met, 6.00% APY applies to balances up to $10,000.00, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also 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 rates are subject to change. Exclusions may apply. Refer to the 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, the 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. When all requirements are met, 6.00% APY applies to balances up to $10,000.00, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also 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 rates are subject to change. Exclusions may apply. Refer to the rate sheet for full details. Membership with Arkansas Federal Credit Union is required.
Min. Balance$2,500 (to avoid monthly fee)
Transactions Required15 monthly debit card transactions of $10 or more1
Direct Deposit Required$1,000+/month
eStatements Enrollment RequiredYes
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. The rate is effective as of 5/31/2023. To qualify for the 4.00% APY, the 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 within the calendar month to receive earnings. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts can qualify for this offer by meeting the same criteria. When all requirements are met, 4.00% APY applies to balances up to $10,000, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500. Offer and rates are subject to change. Exclusions may apply. Refer to the 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. The rate is effective as of 5/31/2023. To qualify for the 4.00% APY, the 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 within the calendar month to receive earnings. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts can qualify for this offer by meeting the same criteria. When all requirements are met, 4.00% APY applies to balances up to $10,000, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500. Offer and rates are subject to change. Exclusions may apply. Refer to the rate sheet for full details. Membership with Arkansas Federal Credit Union is required.
Min. Balance$2,500 (to avoid monthly fee)
Transactions Required10 monthly transactions of $1 or more2
Direct Deposit RequiredNone
eStatements Enrollment RequiredNo
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 balanceNo
Min. Balance$0
Transactions RequiredNone
Direct Deposit RequiredNone
eStatements Enrollment RequiredNo
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.

Learn More

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.

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.
  • Get a temporary digital debit card to use while you wait for your physical debit card to arrive.

Convenient, Secure Features

Checking that works with you

Learn More About Checking Accounts

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

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