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Open a Business Checking Account in St. Louis

"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 access to thousands of free ATMs, a mobile banking app with cool tools like Zelle® and access to us any time with Live Chat. 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 and business checking solutions.

In 2019 and 2020 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. Learn More

  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. Learn More

  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. Use mobile check deposit on the Arsenal app. Learn More

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

*ADB=Average Daily Balance

Get the ball rollin'

Come into any of our branches to open your account.

Contact Us!


Savings Calculator

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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.
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.

Still have questions?

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We support small business Over the past two years (2020-21), we funded a total of $9.1 million in Payment Protecti... 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 unauthorized transactions or 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!