Free Services & Fee Schedule
- Free Services
Checking Account 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 Savings Account Services
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 Money Market Account Services
Below minimum balance fee (per month) None Debit Card Services
Instant-issue Visa debit card with EMV chip Free Debit card transactions Free Rewards points for signature-based transactions redeemable at CURewards.com Free Credit Card Services
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 Loan Services
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 Shared Branches
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).
ATM Services
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 Other Services
Notary service for members Free Self-service coin-counting machines (Jefferson County and Mid St. Louis County 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 calculators on website 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 Teller transactions (walk-in and drive-up service at Arsenal branches) Free PIN change Free Get a quote on auto/home/life insurance through TruStage Free Senior Services
Members 65 and older receive: Account transfers conducted over the phone Free Basic checks (printing) One free package of checks per year Digital Services
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