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    Hi! Is there something I can help you find?

    • What would you like to borrow for?
      • A home
        • Great, what are you more interested in?
          • I’d like to buy a home, or refinance my current loan.
            • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
          • I want to make some environmentally friendly home improvements.
            • Let’s get started making our community greener. We offer no-collateral Home Improvement loans just for that. We think you’ll love our rates.
          • I’m more interested in using the value in my home to get a loan.
            • Sounds good. Would you prefer a lump sum of cash for your loan, or more flexible spending?
              • Lump sum
                • Sounds like you are looking for a Home Equity Loan. It’s a great way to secure a lower rate, and you can use the money on any expense.
              • Flexible spending
      • A car
      • Something fun
        • What are you interested in?
          • Boat
            • Awesome! Let us help you get on the water. We offer low rates and long terms to make your Boat Loan payments affordable.
          • Personal Watercraft
          • Motorcycle or ATV
            • You’re one step closer to hitting the open road or trail. We have the right financing on Motorcycle and ATV Loans to make it happen.
          • Motorhome, Campervan or Travel Trailer
      • Something else
        • Okay. Business or personal?
          • Business
            • Sounds great! We offer a wide range of Business Loans, including loans for vehicles, equipment and real estate.
          • Personal
            • Terrific! We offer Personal Loans for any need, including weddings, vacations and debt consolidation.
      • I’m mostly interested in a credit card
    • What would you like help with?
      • Accessing my accounts
        • Okay, how would you like to access your accounts?
          • Online
            • Ok! If this is your first time using Online Banking?
              • Yes
                • Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
              • No
                • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
          • On my mobile device
      • Opening a checking account
        • Great! What do you care most about in a checking account?
          • Earning interest
            • Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
          • Having no fees
          • Getting free checks
      • Signing up for eStatements
        • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
      • Getting insurance
      • Setting up alerts and controls
      • Reporting a lost or stolen card
        • We’re sorry to hear that. Is this during or after business hours?
          • During
            • Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
          • After
            • If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
    • What would you like to save for?
      • An upcoming holiday or vacation
        • Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Regular Savings page and scroll down for more info.
      • Retirement
      • College
        • Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
      • Something else – and I’d like to earn a good interest rate
        • Do you have some money saved up already?
          • Yes, quite a bit
            • Nice! Are you okay with leaving your money untouched for a while?
              • Sure
                • Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
              • I’d prefer to make withdrawals when I need to.
                • Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
          • Not much
            • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
      • I’d prefer just a basic savings account
        • Ok! Our Regular Savings sounds just right for you. It also secures your Arsenal membership.

    Business Checking

    "I have been a member since 1985, have both my personal and business accounts with Arsenal and have never been disappointed. Who needs a bank?"

    Older woman smiling outside Betty F.

    • Fast

      Get an instant-issue debit card at any branch

    • Flexible

      Pick the business account that's right for you

    • Contact Us!

    Give your business a boost

    When you sign up for one of our business checking accounts, you’ll get a debit card that works anywhere, plus access to thousands of free ATMs. We have multiple accounts available, so you can pick one tailor-made for your business size and needs.

    Let us partner with you

    You want to choose a partner that will give you more bang for your buck. According to WalletHub, Credit unions provide over seven times more value than regional banks and 15 times more value than national banks when it comes to checking accounts.

    In 2019 we were among 25 local businesses recognized for offering the “Best in Value” and helping people “get the most out of their money” by the St. Louis Small Business Monthly.

    1. 1

      Convenient spending

      You'll get a business-branded Visa® debit card that lets you make purchases almost anywhere. Order one online or get an instant-issue card at any of our branches.

    2. 2

      Easy withdrawals

      Withdraw cash for your business without the fees. Our CO-OP network of free ATMs gives you access to more than 250 local and 30,000 U.S. ATMs – many more than the biggest banks offer.

    3. 3

      Quick deposits

      Do you frequently get checks for your business? Now you won't have to come into a branch every time you receive one. Simply upload a picture of the check you want to deposit to our mobile app. Deposit up to 50 checks each month at no cost; after 50, the cost is only 50 cents for each check.

    We offer three different business checking accounts. Choose the one that's right for you based on the number of transactions your business performs each month.

    Business Checking I Business Checking II Business Checking III
    Transactions per month Up to 200 Up to 500 More than 500
    Per transaction fee 25 cents per transaction in excess of 200 50 cents per transaction in excess of 500 10 cents per transaction
    Monthly fee None $20 or waived with ADB of $5,000+ None
    Minimum deposit $100 $500 $1,000
    Earns dividends No On ADB* of $500+ On ADB of $2,500+
    Minimum ADB required None $5,000 None
    • Transactions per month Up to 200
      Per transaction fee 25 cents per transaction in excess of 200
      Monthly fee None
      Minimum deposit $100
      Earns dividends No
      Minimum ADB required None
    • Transactions per month Up to 500
      Per transaction fee 50 cents per transaction in excess of 500
      Monthly fee $20 or waived with ADB of $5,000+
      Minimum deposit $500
      Earns dividends On ADB* of $500+
      Minimum ADB required $5,000
    • Transactions per month More than 500
      Per transaction fee 10 cents per transaction
      Monthly fee None
      Minimum deposit $1,000
      Earns dividends On ADB of $2,500+
      Minimum ADB required None

    *ADB=Average Daily Balance

    Get the ball rollin'

    Come into any of our branches to open your account.

    Contact Us!

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    FAQs

    You can log into online or mobile banking to see your real-time transaction history and view your monthly eStatements (unless you’ve opted to receive printed statements in the mail).
    Deposits can be made via an ATM, branch or shared branch. You can also transfer money into your checking account using online or mobile banking. If depositing a check, you can use the mobile check deposit feature on the Arsenal app.
    We're glad you asked. Many banks charge fees based on a minimum daily balance. If your account drops below the minimum on any given day, you'll be charged. We go with a more generous option and charge fees based on a minimum average daily balance instead. That means we'll calculate your average balance at the end of each month, and only charge a fee if your account is consistently lower than the required amount. This can be a big help if you find that your checking account dips a little low at the end of the month, but generally stays at a higher balance.
    Our routing number is 281081233.
    Courtesy Pay is automatically activated on all checking accounts in good standing. This service allows us to pay, at our sole discretion, an item (check) presented for payment against your checking account when the requested payment causes the account to become overdrawn. If for any reason you would like to opt out of this service, you may do so by contacting us directly.
    If your account becomes negative, we will draw money from your savings account first. If there are no available funds in your savings account and you have not established an overdraft line of credit with us, we may still honor the check, but you will be charged a $28 fee, which is several dollars less than the average amount charged by banks. Courtesy Pay is available based on member eligibility; Arsenal may pay overdrafts up to a total of $750 (including fees). If we do not honor your check due to non-sufficient funds in your checking account, you will be charged a $28 fee.
    You can reorder checks online, or call 1.800.275.1053. When you order checks through us and our checking partner, Harland Clarke, they are packed with features that add security – and value – for you. The newest feature added (2018) to our checks is CheckArmor®, a fully managed identity theft restoration service. Harland Clarke checks also include enhanced mobile security features that support remote deposit capture and make it more difficult for checks to be used fraudulently.
    Use this free checkbook Balance Calculator.
    We suggest the following steps:
    1. Always use permanent ink when writing checks rather than pencils or erasable ink pens.
    2. Make out a check to a name, not "cash" so someone else can't cash that check.
    3. Draw a line after the name of the party who's supposed to get the money.
    4. Print numbers as close as possible to the preprinted dollar sign.

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    Arsenal Credit Union named "Best in Value 2019" by St. Louis Small Business Monthly One of the BEST IN VALUE in St. Louis Twenty-five local firms and companies made the S... Read

    Value-added solutions

    These extra features help keep your money safe, protect your credit and identity, and make your whole banking experience more convenient.

    • Overdraft Line of Credit

      Establishing a line of credit protects you from being charged a fee if you don't have enough money in your account to cover a purchase or ATM withdrawal. This loan product features a fixed rate with no set term; interest is only charged when you have an outstanding balance. You can apply in person or by phone, mail or fax, as well as through online banking.

    • Courtesy Pay

      This service allows us to pay an item presented for payment against a qualified member's checking account, even though doing so causes the account to become overdrawn. This saves you from paying additional merchant returned-check charges and protects your credit rating.

      Learn More

    • CheckArmor® Fraud Protection

      When you purchase checks through us and our checking partner, Harland Clarke, you have the added peace of mind of knowing you have access to support to help you restore your identity in case of fraud.

      Learn More

    • Online Bill Pay & Presentment

      Avoid writing checks, paying for stamps and making special trips to the post office or credit union by signing up for and using our free online bill pay service. You can schedule one-time and recurring payments, check the status of your payments, view payment history, receive bills electronically ("presentment") in your account from participating vendors, and more!

    Get the ball rollin'

    Contact Us!