Access your money with no minimum balance requirement
Totally Free Checking Account in St. Louis
This is the perfect, basic checking account for everyday retail purchases and bill paying. With this account you’ll get a debit card in the mail if you open your account online or on-the-spot if you open at a branch.
There are no minimum daily balance requirements and no monthly service fees. All you need is a $5.00 minimum opening deposit into a savings account. This one-time minimum deposit gives makes you a part-owner at the credit union and gives you access to all of our products and services.
Send and Receive Money with Ease
Use Zelle® in the Arsenal Credit Union app to send money directly from your account to friends and family who have their online bank connected with the app. You can also set up a cross-account agreement to transfer money to family members. Totally Free Checking comes with unlimited check writing access if you still want to send money or pay people with pen and paper.
Free checking for 20+ years
We’ve been offering Totally Free and no minimum balance Checking accounts to our members since 1994. Most big banks don’t offer free checking anymore, and if they do, you must meet strict requirements to keep it that way.
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Build your savings account
Our Spend to Save program makes saving automatic. Make a transaction with your Arsenal debit card, and we'll deposit the "spare change" into your savings account. Learn More
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Get cash
We give you more fee-free access to ATMs than the biggest national banks do. Use more than 250 local and nearly 30,000 CO-OP Network ATMs around the country to withdraw money at absolutely no cost to you. At many machines, you can make deposits as well. Learn More
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Deposit checks anywhere
With mobile check deposit you can deposit checks straight into your Totally Free Checking account just by taking a picture. Learn More
FAQs
- Always use permanent ink when writing checks rather than pencils or erasable ink pens.
- Make out a check to a name, not "cash" so someone else can't cash that check.
- Draw a line after the name of the party who's supposed to get the money.
- Print numbers as close as possible to the preprinted dollar sign.