The Federal Reserve Bank will be closed on Monday, January 16th, 2023 for the Martin Luther King Day Holiday. Learn More
The Federal Reserve Bank will be closed on Monday, February 20, 2022, for the Presidents Day Holiday. Learn More
The Federal Reserve Bank will be closed on Monday, May 29, 2023, for the Presidents Day Holiday. Learn More
The Federal Reserve Bank will be closed on Monday, June 19, 2023, for the Juneteenth National Independence Day Holiday. Learn More
The Federal Reserve Bank will be closed on Tuesday, July 4, 2023, for the Independence Day Holiday. Learn More
The Federal Reserve Bank will be closed on Monday, September 4, 2023, for the Labor Day Holiday. Learn More
The Federal Reserve Bank will be closed on Monday, October 9, 2023, for the Columbus Day Holiday. Learn More
For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday.
The Federal Reserve Bank will be closed on Thursday, November 23, 2023, for the Thanksgiving Day Holiday. Learn More
This is sample Holiday Schedule text. Test
The Federal Reserve Bank will be closed on Monday, December 25, 2023, for the Christmas Day Holiday.
Arbor Bank and the Federal Reserve Bank will be closed on Monday, May 27th, 2024 for Memorial Day.
Arbor Bank and the Federal Reserve Bank will be closed on Wednesday, June 19th, 2024 in honor of Juneteenth.
Arbor Bank and the Federal Reserve Bank will be closed on Thursday, July 4th, 2024 for Independence Day.
Arbor Bank and the Federal Reserve Bank will be closed on Monday, September 2nd, 2024 for Labor Day.
Arbor Bank and the Federal Reserve Bank will be closed on Monday, October 14th, 2024 in honor of Indigenous Peoples Day.
Arbor Bank and the Federal Reserve Bank will be closed on Monday, November 11th, 2024 for Veterans Day.
Arbor Bank and the Federal Reserve Bank will be closed on Thursday, November 28th, 2024 for Thanksgiving Day.
Arbor Bank and the Federal Reserve Bank will be closed on Wednesday, December 25th, 2024 for Christmas Day.
Arbor Bank and the Federal Reserve Bank will be closed on Wednesday, January 1st, 2025 for the New Year’s Holiday.
Special Offer! Get a FREE GIFT when you open a checking account.   
Online Bill Pay

Don’t jump around from merchant site to merchant site to pay your bills every month. Take control and pay bills from one convenient place. You can save time and save money by eliminating the hassle of writing checks and buying stamps.


With FREE Online Bill Pay, you can view and pay all of your bills on our secure website. You control how much and when to pay.

 

With Bill Pay you can:
  • Pay anyone, anytime
  • Schedule one time or recurring payments in advance

  • Stop or change payments, anytime

  • Add any bill quickly with just a few keystrokes

  • View your payment history on Bill Pay

 
Safe and Secure, Guaranteed.*

Bill Pay is the safe and secure way to pay your bills – we guarantee it! Every scheduled payment you make will be paid on time or we’ll pay your late fees.
 

*We will bear the responsibility for any late-payment-related charges (up to $50) should a payment arrive after its due date as long as the transaction was scheduled in accordance with Online Bill Pay’s terms and conditions.


 
Business Bill Pay

An expanded version of our online bill pay system - just for businesses. Save time, save money - and save the hassle of writing checks, matching invoices, and stuffing envelopes. You can receive and pay bills - all from your desktop with Business Bill Pay.

 

What sets Business Bill Pay Apart?
  • Adaptable - With Multiple Authority Layers, you have the option to assign employees as bill pay initiators only, requiring another employee or the owner to approve the payment before it’s sent.

  • Convenient - There’s no longer a need to print checks, stuff envelopes, add postage, or make trips to the post office. You don’t even need to wait for bills to arrive in the mail. With Business Bill Pay, you can receive and pay bills electronically - right from your desktop1. You can even include copies of invoices with your payments.

  • Fast - Business Bill Pay can help streamline your payables process. Payments may be as fast as overnight for certain billers.

  • Economical - Business Bill Pay can save you money versus sending a standard check. Business Bill Pay is FREE for up to 20 payments per month2. Each payment after the initial 20 is just $0.50 per payment - that's less than the cost of a stamp.

Take control of your payables with Business Bill Pay. Receive and pay bills electronically, right from your desktop. Other fees may apply, Please contact us for more information.

 

Bill Pay Enhancements

All Arbor Bank checking accounts feature Free Bill Pay for standard payment usage. There are enhancements that may be used at your discretion at an additional cost. If you'd like to sign up or add Bill Pay to another Arbor Bank checking or savings account, simply give us a call, or stop in.

Zelle®
Zelle® is available right from your online and mobile banking account and conveniently located in the same place where you pay your bills.
Cost

None2

How to access this service

Send and receive money with Zelle® right from Bill Pay online or our mobile banking app

How long will the payment/transfer take?

Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®

Are there number and/or amount limits?
Other limitations

You must have your recipient's email address or U.S. cell phone number. Not available with Business Bill Pay.

Misc Info and Extras

It is easy to get started. Simply log in to your online banking account or mobile banking app and enroll in Bill Pay. Once your account is verified, simply select the "Send Money With Zelle®" tab.

A2A Transfers
An easy way to transfer your money to/from your bank accounts elsewhere.
Cost

$2.00/transfer outgoing. Free incoming.

How to access this service

Tab at the top of Bill Pay

How long will the payment/transfer take?

Standard delivery time is 2-3 business days.

Are there number and/or amount limits?

Yes, transfer limits in both amount and frequency are visible on the 'Transfer Money' page after you schedule your first transfer.

Other limitations

Transfers to and from your own accounts only. One time account verifications at the other financial institution are required before your first transfer. Not available with Business Bill Pay.

Misc Info and Extras

You have the ability to set up recurring or one-time transfers. You also have the ability to set up email reminders if you wish.

Overnight Checks
Need to make a payment by tomorrow? This is how you do it!
Cost

$14.95/payment

How to access this service

Within your billers already added in Bill Pay

How long will the payment/transfer take?

Next day delivery is guaranteed.

Are there number and/or amount limits?

Limited to your availability in your deposit account.

Other limitations

Biller must already be set up in Bill Pay.

Misc Info and Extras

If the biller already has an established ACH relationship with Check Free, our Bill Pay system allows next day payments at NO cost. (Overnight checks are only for billers who don't have an ACH relationship.)

Same Day Payments
Need to make a payment today? Here's how!
Cost

$9.95/payment

How to access this service

Within your billers already added in Bill Pay

How long will the payment/transfer take?

Same Day delivery is guaranteed.

Are there number and/or amount limits?

Limited to your availability in your deposit account.

Other limitations

Biller must already be set up in Bill Pay and have an established ACH relationship. (Currently 300+ do) Our Bill Pay system won't show a same day payment option if it's not available for that specific biller.

Misc Info and Extras

You will receive an email confirmation of the payment. Payments can NOT be cancelled.

1 For certain billers.

‍2 Internet access required.