You're about to have more time and money

Earn $100 when you open a checking account (with a debit card) online from 8.15.2024 through 12.31.2024. Use promo code ACUFallDeals when opening your account to activate the offer.

Take more control of your financial wellness and crush your goals with confidence. Use tools designed to help you tackle all of your money tasks in a single place. Opening an account online is fast and easy. Start a live chat with us in the bottom right for help.

Open account online View official rules

Access your money without the fees

When you open a Totally Free Checking account, you pay no monthly maintenance fees. There’s no monthly balance or other requirements. You get complete, free access to your money when and where you need it.

Totally Free Checking Open account online

Your money is just a tap away

Get complete access to your accounts and loans, anytime, anywhere, with online + mobile banking. View your accounts, transfer money and pay bills when and where you need to.

Switch direct deposit info instantly

With just a few clicks, your direct deposit can go straight to your Arsenal checking or savings account.

Manage debit and credit cards

Use the Card Management tool to lock/unlock your cards when they're lost or stolen. Set up custom alerts and controls to keep more control of your spending and security.

See your complete financial picture

Link external accounts from other financial institutions to see all of your finances in a single place so you can tackle debt and save more money.

Your path to financial success

Access more free ATMs

You can use over 30,000 free ATMs across the country, with more than 250 in the St. Louis area.

Find a free ATM

Save time with digital tools

Deposit checks anytime, anywhere in the mobile app. Set up automatic bill pay and cross another item off your to-do list.

More digital tools

Take control of your credit journey

Monitor almost every aspect of your credit journey inside online + mobile banking. Free credit scores with no third-part apps to download

Monitor your credit score

Should I consolidate my debt?

Did you know you can free up more of your budget by consolidating high-interest debt into a lower rate loan?

Should I consolidate?

Home Equity Loan

Lower rates using the value in your home

Personal Loan

Consolidate your debt into an easy-to-manage loan.

Credit Card

Pay no fees for balance transfers. Perfect for smaller amounts of debt.

Have questions? We'd love to talk.

Find your closest Arsenal location or reach out to a member service representative.

Stop by a branch

Open your account in-person at our branch at 3780 Vogel Road. Or, find another branch close to you.

Find a location

Start a live chat

Start a live chat using the button at the bottom-right of the screen. Or contact us any number of ways you find convenient.

Contact options

Official promotion rules

^{Membership eligibility is required. Must be age 18+ and mention this offer at account opening. May need specific forms of identification to open an account such as a driver’s license, proof of address (utility bill,) a credit card and your Social Security Number. Note, credit will be reviewed at the time of account opening. Contact the credit union for full details. Savings account with $5.00 minimum deposit required to join Arsenal Credit Union. Credit union membership required to join. See if you’re eligible here. The $100 deposit will be paid within 45 days after checking account with debit card is opened and member makes at least 10 transactions on card (a deposit will be required to receive a debit card). Member must remain in good standing with the credit union. May not be combined with other offers. Bonus will be reported as a dividend.}