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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.

    Courtesy Pay

    "The tellers are always helpful and friendly. I wouldn't do my financial business anywhere else."

    Closeup of a happy young businesswoman holding mobile phone Carol C.

    • Peace of mind

      Protects against failed transactions

    • Convenience

      Provides coverage when needed

    • Complete This Form!

    Let us help take care of you

    Courtesy Pay is a form of overdraft protection we provide to qualified checking account holders. If you write a check and don’t have sufficient funds, Courtesy Pay may temporarily cover you so you can make your purchase. In each case you will be charged a $28 fee and must bring your checking account back up to a positive balance within 30 days. This protection can also be extended to cover overdrafts caused by debit card transactions, ATM withdrawals, automated transfers and online bill payments.

    Overdrafts are paid at the credit union’s sole discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and you will still be assessed a $28 fee from us for having non-sufficient funds, plus the merchant will likely charge you a fee.

    You're automatically enrolled

    As a convenience, we enroll all new checking account members so they can be covered for overdrawn checks, but you can choose to also have other types of transactions covered. At any time, you can opt out of this coverage by contacting us and completing an Electronic Overdraft Service Authorization Form.

    1. 1

      Protect your credit

      Avoid getting entangled with a collections agency and getting a ding on your credit score.

    2. 2

      Eliminate embarassment

      Pay for what you need to, without any hiccups.

    3. 3

      Dodge the extra fees

      If your transaction is approved by the credit union even though you don't have enough money in your checking account, you only pay a fee to us rather than having to pay us the same fee on top of a fee charged by the merchant.

    FAQs

    It can clear at any time. Payments you make can be processed very quickly, so don't make a payment from your checking account unless you already have the money in it (past any hold time) to cover it.
    If and when you try use your debit card at the point-of-sale or an ATM and don't have enough money in your checking account to cover the amount, the transaction will be declined and no fee will be assessed. That could leave you standing in line with a cart full of groceries or merchandise and no way to pay for it unless you have another form of payment with you. Equally frustrating and embarrassing would be having your transaction declined at a restaurant, especially if dining out with friends, co-workers or family members.
    Holds are placed on cash and check deposits at ATMs, and there may be holds placed on check deposits at branches.
    Yes, we will automatically transfer money from your savings to your checking account, and the cost is just $5. If you do not have sufficient funds in your savings account, an overdraft line of credit would be utilized next. If you do not have an overdraft line of credit set up with us, Courtesy Pay is used as your last line of defense.
    Courtesy Pay is not a line of credit or an invitation to overdraw your checking account. It is intended for use as an added layer of security if you accidentally overdraw your account. Courtesy Pay is free to set up. If you never overdraw your checking account, you will never be charged anything. Should you overdraw on your account, you will be charged a $28 Courtesy Pay fee for each item we pay against an overdrawn account. If we do not authorize and pay an overdraft, your transaction will be declined, in which case you will still be charged $28 for non-sufficient funds. Overdrafts are paid at our discretion; we do not guarantee that we will always authorize and pay any type of transaction.
    Courtesy Pay is non-contractual and requires no applications or signatures to activate coverage for checks you write. If you have a checking account with Arsenal, you are automatically enrolled but can choose to opt out at any time by contacting us. If you would like this coverage extended for other types of transactions (debit card, ATM, automated payments you've set up, etc.), you will need to let us know you want to "opt in."
    Once a Courtesy Pay transaction has cleared, you have 30 days to bring your account back up to a positive balance, either through a direct deposit, transfer of funds or a deposit at one of our branches.
    Courtesy Pay is free to set up. If you never overdraw your checking account, you will never be charged anything. Should you overdraw on your account, you will be charged a $28 fee for each item we pay against an overdrawn account.
    To avoid Courtesy Pay fees, make sure to monitor your account activity. We offer several free services for you to do this, including online and mobile banking. When you receive your monthly account statement from us, be sure reconcile it and update your balance by subtracting any service charges and adding any dividends shown.

    Still have questions?

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    Value-added solutions

    Additional and alternative protection is available.

    • Extended Coverage

      Besides protecting yourself against overdrafts caused by checks you write (this coverage is automatic), you can opt in to also have debit card transactions, ATM withdrawals and electronic funds transfers covered by Courtesy Pay.

    • Overdraft Line of Credit

      Establishing a line of credit is an optionto having Courtesy Pay; it protects you from being charged a fee if you don't have enough money in your checking account to cover a transaction. 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.

    Opt in for extended coverage

    Complete This Form!