Get started on your savings goals with Spend to Save
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.
Want an account that does more?
Check out our two interest-earning accounts.
Earn interest on your account. Pay no fees if you maintain an average daily balance of $500 or more.
Earn interest. Low monthly fee of $4.00 with no minimum balance or other requirements. Get free checks.
Compare our three checking options side-by-side.
Advantage Plus Checking
No balance requirement
None if $500 minimum avg. daily balance requirement met; otherwise, $4.00
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.
Take care of your banking needs anytime, anywhere with our digital solutions.
View your account balance, transfer funds, set up automatic bill pay and much more.
Deposit checks you receive anytime, anywhere using your phone.
Send and receive money to/from friends, family and others in minutes.
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:
Round up your debit card purchases to the nearest dollar and have the “change” deposited directly into your savings account.
Lock or unlock your card if it’s lost or stolen, request a new card, set alerts and controls and much more using our standalone app.
Access more than 250 local and nearly 30,000 fee-free machines around the country with your debit card.
Keep a safety net on your checking account.
If you have insufficient funds, purchases made using your checking account may still go through. Courtesy Pay is set up automatically on all accounts.
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.
“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.”