Premier Personal Checking Account

Get tiered interest levels, monthly returns, and higher balances with our Premier Checking Account. Plus, if you maintain a balance of $2,500 or higher, there’s no monthly fee.

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Premier means “first” or “best.” We mean both

When you make the Premier Checking Account your first choice, you get the best of both worlds. Enjoy prime Arbor Financial checking advantages that include free ATM use and Online and Mobile Banking. Then, reap the rewards of outstanding monthly dividends that are typically associated with high-yield savings accounts.

Customer using an Arbor debit card to make a payment.

Premier Checking offers first-class service that includes these benefits:

Earn dividends on balances of $2,500 or more*
Eligible for Overdraft Protection to avoid costly merchant fees
Free Visa Debit Card with your choice of PIN
Access to 30,000 surcharge-free ATMs
Manage your money through Online Banking, Mobile Banking, and Web Bill Pay

Premier Checking Account Resources

Take advantage of our additional tools and resources to help you understand and control your finances.

Deposit Rates

Track your money in real time to see how much interest you’re earning.

eServices

We make Online Banking easier than ever with eStatements.

Grow & Achieve Blog

Our finance blog covers everything you need to know for your financial journey.

Credit Checkup

Members receive a complimentary annual credit checkup.

Frequently Asked Questions About Premier Checking Accounts

: It’s simple - the higher your balance in your Premier Checking Account, the more you earn.

For balances $2,500 - $24,999.99 you earn a dividend of 0.05% APY⁺

For balances $25,000 - $99,999.99 you earn a dividend of 0.10% APY⁺

For balances $100,000 or more, you earn a dividend of 0.20% APY⁺
: Dividends are payments made to credit union members as part owners of the company. By paying our members dividends, we can distribute revenue to the owners. We pay our dividends monthly.
: To avoid a $25 monthly fee, maintain a minimum balance of $2,500 in your Premier Dividend Checking Account.

*Interest earned on daily balances of $2,500 or more. The minimum daily balance required to avoid a $25 monthly maintenance fee is $2,500. Account fees could reduce earnings.

⁺Annual Percentage Yield (APY) earned on Arbor Financial Credit Union's checking programs are calculated by the daily balance method. Dividends are compounded and paid monthly. The dividend rate and APY are variable and may change at any time. Fees may reduce earnings on the account. APY shown is accurate as of October 1, 2024.

1. Direct deposits and other Automated Clearing House (ACH) credits may post to your account up to five days early with the Early Pay service. The Early Pay service is dependent upon when the deposits are originated from the sender and received by the Credit Union, and we cannot guarantee deposits will post prior to their anticipated settlement date. The Credit Union is not responsible for delays in posting due to unforeseen circumstances. The Credit Union, in its sole discretion, may determine whether certain deposit payments, deposit types, or member accounts are excluded from the service. The terms and conditions for Early Pay are subject to change, at any time, without advance notice. Not applicable to business, loan, or mortgage accounts.