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Personal Checking

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Ready to open a
New Checking Account?

Open an account online!


Did you know Overdraft Privilege is available to eligible Personal Checking Accounts?

Learn More
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Read the Overdraft Privilege Service Policy

Online Bill Pay is a great alternative to paper checks.

It's easy, it's safe, and best of all - it's FREE!

Take a look!


Still like paper Checks?
Order here
Order Personal Checks

Arbor Bank offers a wide variety of checking accounts designed to fit your personal banking style.

Just click to answer YES on any of the questions below and we'll help you find the best account to suit your needs.

Is earning interest on your account important to you?

Will you always keep at least $750 in your account?

Will you use your debit card at least 10x a month?

Will there be anyone 55 or better on the account?

Still not sure which account is right for you? Stop in or call us.
We'll help you find the right account just for you.

FREE with All Accounts:

  • Online Banking
  • Bill Pay1
  • Arbor Mobile2
  • Debit Card3
  • Telephone Banking
  • Money PassSM
  • Imaged Statements or eStatements

Arbor Free Checking

  • No monthly service charge
  • No minimum balance

Arbor Investment Checking

  • $8 service charge per month if balance drops below $750
  • Earns Interest

Arbor Heritage Club Checking

  • No minimum balance
  • No monthly service charge
  • Earns interest
  • Free personalized club checks or discounted designer checks (one box per order)
  • Safe deposit box (free for one year)
  • Free cashier's checks and stop payments

Arbor Easy Rewards Checking*

Just meet these easy requirements:

  • Make 1 qualifying direct deposit each month
  • Enroll in Online Banking and eStatements with Arbor Bank
  • Use your Arbor Bank Debit Card for 10 point-of-sale transactions that post and settle each month

Once you've met the requirements, you'll get these great rewards:

  • No minimum balance
  • $10 Monthly Service Charge does not apply when monthly requirements are met
  • All ATM fees and surcharges reimbursed each month
  • $100 credit on a New Arbor Bank Mortgage**
  • 2.75% APY on balances up to $15,000
  • On balances above $15,000, earn 0.05% interest rate resulting in a 2.75% to 0.46% APY depending on the balance in the account

Stop in to your local branch and sign-up today. Or open a New Checking Account online!
Open an account online!

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 5/1/21. 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 2.75%; Balances above $15,000 earn 0.05% interest on the portion of the balance above $15,000, resulting in 2.75% to 0.46% APY depending on the balance. For example, if the account balance was $100,000, the APY would be 0.46%; 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.

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