More access to your money. No strings attached.

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.

Most financial institutions don’t offer free checking accounts.
Arsenal has been fighting fee frustration with Totally Free
Checking for 25+ years.

Which account is right for you?

Compare our three checking options side-by-side.

Advantage Plus Checking


Totally Free

Advantage Plus Checking
Open account online
Open account online
Totally Free
Open account online
Monthly Fee

No balance requirement

None if $500 minimum avg. daily balance requirement met; otherwise, $4.00


Interest Paid




Check Orders

One free package of checks a year

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Free checks, waived fees and earn higher interest. This is our top-tier account.

Earn interest on your account balance

No monthly fees or minimum balance. Perfect for your everyday purchasing and bill-paying needs.

Control your checking account

Take care of your banking needs anytime, anywhere with our digital solutions.

Online + Mobile Banking

View your account balance, transfer funds, set up automatic bill pay and much more.

Mobile Check Deposit

Deposit checks you receive anytime, anywhere using your phone.


Send and receive money to/from friends, family and others in minutes.

Learn more about online + mobile banking

A debit card that works for you

Get a debit card issued instantly at a branch or through a nondescript envelope in the mail when you open an account online. Maximize your card’s features with these unique services:

Spend to Save

Round up your debit card purchases to the nearest dollar and have the “change” deposited directly into your savings account.

More about Spend to Save
Card Management

Lock or unlock your card if it’s lost or stolen, request a new card, set alerts and controls and much more all within online + mobile banking

More about Card Management
More free ATMs

Access more than 250 local and nearly 30,000 fee-free machines around the country with your debit card.

Find a free ATM
Learn more about debit cards

Protect your account

Keep a safety net on your checking account.

Courtesy Pay

If you have insufficient funds, purchases made using your checking account may still go through. Courtesy Pay is set up automatically on all accounts.

Overdraft line of credit

Avoid fees for not having enough in your checking account. This loan product features a fixed rate with no set term. Only pay interest if you have an outstanding balance. Ask us for more information about setting up your overdraft line of credit.

What are people saying?

“The employee helped me understand the different types of accounts I could pick from and was very thorough in explaining things to me. I ended up opening the perfect type of account to suit my needs.”

Barbara O.