Free Personal Checking Accounts

Arbor Financial’s free checking account features absolutely zero fees and allows for easy access to your money at home or on the road. No fees. No hassle. No problem.

Open an Account

These great advantages make our Free Checking Account an easy choice.

We make banking in Southwest Michigan easy. We help you choose the best checking account for you - tailored-fit to meet your unique needs and goals. We’ve loaded our Free Checking Account with perks and benefits you simply can’t say no to.

Arbor member shopping at the grocery store.

No Monthly Fees

With our Free Checking Account, you can bank on never having to pay a monthly service charge. 

No Minimums

Don’t ever worry about meeting pesky minimum balance requirements. Open your account with the amount that works best for you. 

Free ATMs

Punch in your PIN to get cash now at 30,000 surcharge-free ATMs across the nation or visit one of our Southwest Michigan locations. We have offices in Caledonia, Hudsonville, Kalamazoo, Lawrence, Paw Paw, Plainwell, Portage, Three Rivers, and Wyoming, MI.  

Find an ATM

How to set up electronic services for your account:

Receive your paycheck through direct deposit and set up your electronic payments via your Arbor Financial Checking account. It’s easy.

All you need is:

  • Our routing number - 272481871
  • Your account number, which is a 12-digit Electronic Fund Transfer (EFT) number and the second set of numbers on the bottom of your check.

Your direct deposit will be finalized through your employer’s HR department. If you require additional help setting up, please refer to the following worksheet. 

Open an Account   Start with Direct Deposit


FAQs about Free Checking Accounts

* 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.