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Compare Checking Accounts

"The people who work for Arsenal are always friendly and helpful. I really appreciate knowing they care about my needs."

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Find the account that’s right for you

Whether you’re looking for your basic everyday free account or one that will earn interest while your money sits, we have something that meets your needs.

No matter which one of our three checking options you choose, the following features all come standard and will save you time, stress and money.

All of the digital tools you want

• Free mobile and online banking

• Free online bill pay and presentment

• Free mobile check deposit on the Arsenal app

• Free Money Management tool that helps you keep track of your spending

A debit card that works for you

• Free EMV chip debit card issued instantly at one of our full-service branches

• Free CardKey app that makes it easy to control your card

• Connect your card with Apple Pay®, Google Pay® or Samsung Pay® for contactless transactions

Security features for your data and personal information

•  Optional overdraft protection (line of credit or Courtesy Pay)

•  Free CheckArmor® Fraud Protection when you purchase checks through us

•  Free eStatements – ditch the paper.

More ways to save money

• Free access to more than 250 local and nearly 30,000 CO-OP Network ATMs around the country

• Free Spend to Save program that rounds up your debit card transactions and automatically deposits the “spare change” directly into your ACU savings account


Below are some differences between our checking accounts to help decide which one is best for you!

Compare Checking Accounts

Advantage Plus Checking Value Checking Totally Free Checking
Monthly Fee $4.00
No balance requirement
None if $500 minimum avg. daily balance requirement met; otherwise, $4.00 None
Interest Paid Yes Yes No
Check Orders One free package of checks a year Refer to price list Refer to price list
Advantages 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.