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Personal Checking Accounts
At Arbor Bank, we understand that everyone manages money differently. Whether you're opening your first checking account, looking for an interest-bearing option, or wanting premium rewards and account benefits, we have a personal checking account designed to fit your financial goals.
Compare our checking account options below to find the account that best matches your banking habits and lifestyle.
Arbor Bank combines personalized local service with modern digital banking tools. Every checking account includes secure online banking, mobile banking, Bill Pay, Mobile Deposit, and a Visa® Debit Card to help you manage your finances wherever life takes you.
Whether you want a free everyday checking account or premium rewards, Arbor Bank makes it easy to compare your options and open an account that fits your financial goals.
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Read the Overdraft Privilege Service Policy
It's easy, it's safe, and best of all - it's FREE!
Which Arbor Bank checking account has no monthly fee?
Which checking accounts earn interest?
Investment Checking, Heritage Club Checking, and Easy Rewards Checking offer interest-earning opportunities.
Can I open a checking account online?
Yes. Eligible personal checking accounts can be opened online through Arbor Bank.
1 All Arbor Bank accounts offer Free Bill Pay for standard usage. Enhancements may be added at your discretion at additional cost.
2 Message and data rates may apply.
3 A fee may be charged for a replacement card.
*APY = Annual Percentage Yield. APYs are accurate as of 06/04/2026. Rates are subject to change. Fees may reduce earnings. Available on personal accounts only. Business day is M-F excluding federal holidays.
To meet the qualifications for Easy Rewards Checking each calendar month: You must make 1 qualifying Direct Deposit by the last business day of each calendar month. A qualifying Direct Deposit is a direct deposit through the ACH network to this account by an employer or outside agency. Transfers between accounts, mobile deposits, or deposits made in branch or at ATM locations do not qualify; Create an Arbor Bank online banking account and sign up for eStatements. Log on each month to view your eStatement; Use your Arbor Bank Debit Card for 10 point-of-sale transactions, which include signature-based transactions. PIN-based, ATM, and ACH transactions and transfers between accounts are not included; Qualifying point-of-sale transactions must post to and settle the account by the last business day of each calendar month. Transactions may take one or more business days from the date transaction was made to post to and settle the account.
When the qualifications are met each calendar month: Balances up to $15,000 earn an APY of 3.00%; Balances above $15,000 earn 0.05% APY; All ATM fees and surcharges that were charged during the calendar month are reimbursed on the last business day of each month; The $10 monthly service charge does not apply.
If qualifications are not met by the last business day of each calendar month: Balances earn 0.05% APY; No ATM fees or surcharges are reimbursed; A $10 monthly service charge is applied.
**$100 credit toward closing costs (for example, appraisal or title insurance fees) on a secondary market mortgage loan, which is a closed-end, consumer-purpose, 1-4 family dwelling-secured, fixed-rate, long-term, fully-amortizing loan. All loans are subject to credit approval.
