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Totally Free Checking

"Even though I have banks within walking distance, I prefer Arsenal Credit Union. I have never experienced any problems here."

Happy Caucasian woman smiles while carrying a box into her new home. Jeanne H.
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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.

  1. 1

    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

  2. 2

    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

  3. 3

    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

Enjoy your freedom

Open your Totally Free Checking account right here online.

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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.
As many as you want. Arsenal accounts feature unlimited check-writing privileges.
Direct deposit lets your employer deposit your paycheck, Social Security wages or other income directly into your account. It means you don't have to go to a branch or an ATM to deposit your money, and you won't have to face the security threat of a lost paycheck. Plus, you'll get your money faster. It's safe, reliable and highly convenient. To set up direct deposit, start by asking your employer's HR department for a direct deposit form. You'll need to include our routing number (also known as an ABA number) on the form – it's 281081233. You'll also need your account number. While it's most likely the account number you use every day, you may have to use a different number for direct deposit. Our address is another typical requirement. In addition, some companies require that you submit a voided check or other document to set up direct deposit.
Deposits can be made via direct deposit, 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.
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.
You can log into online or mobile banking to see your real-time transaction history. We also send detailed account statements monthly: you can choose between free eStatements or $2 paper statements by mail (fee waived for members 17 and under, or 65 and older).
Members must be age 18 and older and receive ChexSystems® approval. However, members age 13-17 may open an account with a parent or guardian as a signer. ChexSystems is a check verification service and consumer credit reporting agency. About 80 percent of all U.S. banks and credit unions use ChexSystems to screen applicants by checking your banking history. A ChexSystems report examines data submitted by financial institutions in the past five years. A report may describe banking irregularities such as check overdrafts, unsettled balances, depositing fraudulent checks, or suspicious account handling. Financial institutions may refuse to open a new deposit account for a consumer who has a negative item reported.
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.
Yes. By setting up a cross-account agreement, you can transfer money, view balances, check transaction history and request transfers from linked accounts – all from one online banking login. The user with access to your account can even make deposits using mobile check deposit on the Arsenal app. To set up account access for another user, the account owner of both the sending account and the recipient account must sign a form for the cross-account relationship to be established. To learn more, contact us or start a live chat.

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Eight ways you can experience more financial freedom 1. Mobile Banking First, if you haven't downloaded it yet, make sure you have mobile ba... 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!

Enjoy your freedom

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