Get started on your savings goals with Spend to Save
Due to supply-chain issues and inflation, the cost of everyday items is increasing. Saving money is becoming more challenging – but it’s not impossible.
Arsenal provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. The credit union is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. When you exit our site, our Privacy Policy is no longer in effect. Thank you for visiting us online. Please return when you need information about Arsenal’s products and services.
Totally Free Checking monthly service fee
None
Value Checking monthly service fee
None (if $500 minimum average daily balance maintained)
Business Checking I monthly service fee (per item fees may apply; see below)
None
Business Checking II monthly service fee (per item fees may apply; see below)
None (if $5,000 minimum average daily balance maintained)
Business Checking III monthly service fee (per item fees apply; see below)
None
Online travel notifications
Free
Check Printing for Advantage Plus Checking members
One free package of checks a year
Visa TravelMoney Prepaid Cards for Advantage Plus Checking members
Free issue
Below minimum balance fee (per month)
None
Prizes for Tracker Kids Club members who earn and redeem pawprint stamps for saving their money at the credit union
Free
Below minimum balance fee (per month)
None
Instant-issue Visa debit card with EMV chip
Free
Debit card transactions
Free
Visa Platinum credit card with EMV chip
Free
Transaction fee on purchases
None
Cash advance fees
None
Balance transfer fees
None
Monthly/annual fees
None
Auto rental insurance
Free
Warranty manager service
Free
Travel and emergency assistance
Free
90-day product registration
Free
Payment card protection
Free
Travel reservation service
Free
Rewards points for transactions redeemable at CURewards.com
Free
Closing costs on home equity loans and home equity lines of credit
None (unless repaid within the first 12 months) Saves borrowers $500-$1,500
Application and origination fees on loans
None
Set up recurring loan payments by phone
Free
Pay an Arsenal Credit Union loan with an outside financial institution account through online or mobile banking
Free
Make deposits and withdrawals
Free
Make loan payments
Free
Transfer funds between accounts
Free
Purchase money orders and cashier's checks
Free
Obtain cash advances
Free
Make balance inquiries
Free
Access more than 50 credit union shared branches in the St. Louis area and more than 5,600 credit union shared branches in the United States to transact business on your Arsenal account(s).
Transactions at Arsenal branch ATMs
Free if using an Arsenal card
Transactions at more than 250 local and nearly 30,000 nationwide CO-OP Network ATMs
Free if using an Arsenal card
Notary service for members
Free
Self-service coin-counting machines (Arnold and Webster Groves branches)
Free
$1,000 accidental death and dismemberment insurance for members age 18 and older
Free
Paper shredding and electronics recycling events at branches
Free
Financial education materials on website and in branches
Free
Financial seminars at our branches
Free
Financial presentations in schools
Free
Financial curriculum materials for teachers
Free
Direct deposit
Free
Incoming money transfers
Free
PIN change
Free
Get a quote on auto/home/life insurance through TruStage
Free
Account transfers conducted over the phone
Free
Basic checks (printing)
One free package of checks per year
Online banking
Free
Mobile banking on the Arsenal app (Apple iOS and Android OS)
Free (data charges may apply)
Text message banking
Free
Automated teller phone banking (audio response inquiries/transactions)
Free
Online bill pay and presentment
Free
Send and receive money with Zelle®
Free
Money Management – online financial management tool
Free
Purchase Rewards
Free
Mobile Payments (Apple Pay, Google Pay, Samsung Pay)
Free (data charges may apply)
Mobile Check Deposit
Free
eStatements
Free
CardKey card management app
Free
Paper statements for members age 17 and under and age 65+
Free
Stop payment – Check, online bill pay and ACH
$28.00
Stop payment – Series (two or more checks)
$50.00
Overdraft transfer (from savings account)
$5.00
Nonsufficient funds (includes checks, preauthorized ACH withdrawals and online bill pay)
$28.00 each
Uncollected funds (includes checks, preauthorized ACH withdrawals and online bill pay)
$28.00 each
Courtesy Pay or any overdraft (each debit, including ATM and ACH transactions, or check paid that creates a negative balance)
$28.00 per item
Below minimum balance (Value Checking)
$4.00 per month
Collection item (incoming and outgoing)
$25.00
Advantage Plus service
$4.00 per month
Business Checking I
$0.25 per transaction over 200
Business Checking II
$20.00 per month; $0.50 per transaction over $500. Waived with $5,000 average daily balance
Business Checking III
$0.10 per transaction
Card replacement
$7.00 per card
Abuse/revoke
$15.00
ATM use (including business accounts) (Non-ACU network machine withdrawals, transfers and inquiries)
$1.00 per event
ATM surcharge (non-members& using ACU-owned ATMs) *Applies only to members of other credit unions that are not part of the CO-OP ATM network and to anyone using a bank-issued card
$2.50 per event
Credit card late payment (share secured only) Minimum payment > $25.00 Minimum payment < $25.00
5% or $25.00 (whichever is less) not less than $10.00 $5.00
Credit card late payment
$25.00
Visa gift card issue
$2.00 per card
3x5 box rental
$15.00
5x5 box rental
$25.00
3x10 box rental
$30.00
5x10 box rental
$45.00
7x10 box rental
$60.00
10x10 box rental
$75.00
Key deposit
$10.00
Domestic wire transfer (Outgoing – Federal Reserve)
$25.00 each
International wire transfer (Outgoing) International wire transfer (Outgoing to U.S. Military Bases)
$100.00 each $65.00 each
Visa TravelMoney card
$6.95 each
Notary service (non-members)
$2.00 each
Deposit items returned unpaid
$15.00 each
Inactive account (no activity for 9 months or more and no other accounts at Arsenal Credit Union)
$10.00 per year
Research/document retrieval
$20.00 per hour
Paper statement (applies to members 18 years to 64 years of age)
$2.00
Non-member ON US check cashing
$5.00 per check
Loan late payment (after 15 days)
5% of payment or $25.00 (whichever is less) if payment due is more than $25.00; otherwise, $5.00 if payment is less than $25.00
ACH telephone payment origination
$5.00
Electronic loan payment through other financial institution (outside of online or mobile banking)
$3.00