Personal Checking

Order Checks

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
Click to opt-in
Click to opt-out

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

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

  • No minimum balance
  • No monthly service charge
  • ATM fees reimbursed each month
  • $100 credit on a New Arbor Bank Mortgage (credit applied to closing costs)
  • 2.75% APY on balances up to $15,000
  • On balances above $15,000, earn 0.46% to 2.75% 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 12/1/20. Rates are subject to change. Fees may reduce earnings. Available on personal accounts only.
How to meet the qualifications each calendar month: You must create an Arbor Bank online banking account and sign up for eStatements. You should log on each month to view your eStatement; 10 point-of-sale transactions 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 an account during each calendar month. Transactions may take one or more business days from the date transaction was made to post to and settle an 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 0.46% to 2.75% APY depending on the balance. For example, if the account balance was $100,000, the APY would be 0.46%; The $10 monthly service charge does not apply; The ATM fees that were charged during the calendar month are reimbursed on the last business day of each month.
If qualifications are not met each calendar month: All balances earn 0.05% APY; A $10 monthly service charge is applied; ATM fees are not refunded.

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