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Payday Bonus 💰

Win $250 just for using your Arsenal debit card

We want to reward you for making your everyday purchases

Every week, a big chunk of your paycheck goes into things you need to buy: Gas, food, coffee, etc. Usually, you wouldn’t think twice about paying for these things with your Arsenal debit card. You still don’t have to think twice about your purchases, but now you can win cash just for making them.

Every time you use your Arsenal debit card and run it as credit (signature at some retailers), you’ll be entered into a bi-weekly drawing for $250! We will pick one winner, twice a month at random, so the more you use your card, the more chances you have to win. Think of the prize money as your Payday Bonus.

Friends hanging outside with a bunch of confetti

Payday Bonus: It’s a cause for celebration

Here’s how easy it is to enter:

  • Gas: One entry
  • Lunch: One entry
  • Gift for your significant other on Amazon: One entry
  • Grocery store: One entry
  • Emergency trip to the grocery store for toothpicks for the meatballs you bought right after work for the office potluck: One entry

That’s five entries into the drawing, and all you had to do was use your Arsenal debit card without inputting a PIN! It’s that easy to enter, making it even easier for you to win.

Burger with all the fixin's

Your next burger could win you $250

If you don’t have a checking account and debit card with Arsenal, here are a few reasons why you should get them ASAP:

In addition to being entered into the Payday Bonus contest every time you use your debit card, Arsenal also gives you:

More checking options

We still have a Totally Free Checking option with no minimum balance requirement and no strings attached. We also offer Value and Advantage Plus options that let you earn interest with fewer hoops to jump through than accounts at big banks.

More branches and more free ATMs than banks

Need to stop by a branch? As a part of the CO-OP Network, you can use over 5,000 credit union branches across the country, and more than 50 in St. Louis. Looking for a free ATM? Arsenal gives you access to over 30,000 across the country, including more than 250 in St. Louis.

24/7 access to your money

With online and mobile banking from Arsenal, you can check balances, transfer money between accounts and set up automatic bill pay whenever, wherever. With our mobile app, you can even deposit checks directly into your account using Mobile Check Deposit. Get cash back when you use your Arsenal debit card at your favorite retailers.

Fewer fees

At Arsenal, we give you freedom from the fees you’ve become accustomed to seeing from other financial institutions. When you become a member, you are a part owner, and our profits go back to helping you, not into the pockets of shareholders.

Open a checking account online today!

Party with a ton of confetti falling from the sky

Alright, it’s not an epic party like this, but winning $250 is still awesome.

Earn more entries into the Payday Bonus

Keep your Arsenal debit card at the top of your physical and digital wallet.

  • Keep your Arsenal debit card at the top of your physical wallet for everyday purchases.
  • Make sure to select your Arsenal debit card as the default payment option for any eCommerce sites you regularly use (Amazon, Instacart, Walmart, etc.).
  • Set up your debit card as the default payment option in your mobile device’s payment options (Google Pay and Apple Pay).
  • Add your debit card as the default payment for apps your frequently make purchases on (Uber, Lyft, Groupon, etc.)

Open a checking account online today!

Pass on entering a PIN

When you insert your chip card at the retailer, you’ll be prompted to run it as a credit or debit. All you have to do is select the credit option. If you’re not sure which button to press, ask the cashier which color indicates credit. Sometimes, if your purchase is above a certain dollar amount, you’ll be asked to sign. For smaller purchases, you won’t be asked to sign. When you visit a sit-down restaurant and pay with your debit card, your waiter automatically runs it as credit and you sign the receipt.

When you run your Arsenal debit card as credit, a different network is simply used to process the transaction. The money you’re spending still comes from your Arsenal checking account. You won’t incur any finance charges or receive a monthly bill like you would on a credit card.

Dog lying down on a pink background with a bunch of confetti

Think of all the dog treats $250 could buy.

Earn rewards points, too!

Another reason for selecting credit over debit at the point of sale is to rack up rewards points you can redeem for merchandise, gift cards, etc*. No rewards points or entries into our bi-weekly $250 drawings are earned when you enter a PIN. See all cool things you can cash in your rewards points for.

Meet our winners

Join the ranks of our previous winners! Open your checking account with a debit card today! Have any questions? Chat with an Arsenal rep during business hours.

View the official rules of this contest.

*Rewards points are not available for business debit cards.

Savings account with $5 deposit is required to open a checking account at Arsenal Credit Union.