Free Momentum Checking

Get more control over how you manage your money with Arbor Financial’s Momentum Checking personal checking account.

Open an Account

Earning 4.00% APY* is as easy as 1...2...3...

Direct Deposit

Direct deposit $500 or more a month into your free Momentum Checking account.  


Enroll in eStatements to cut down on paper, and nurture financial growth by taking care of our environment. 

High Returns

Pick up the pace of your debit card use. Earn higher returns on balances up to $15,000. 

Arbor customer using tap to pay.

10-19 monthly debit card purchases will earn 0.75% APY*

20-29 monthly debit card purchases will earn 1.50% APY*

30 or more monthly debit card purchases will earn 4.00% APY*

  • Open an Account

Contact Us
Call: 800.422.7340

Put Your Money To Work

Arbor customer paying with an Arbor credit card.

National Network of ATMs

Receive free access to 30,000 surcharge-free ATMs throughout Michigan and across the nation.

Mobile Banking

Manage your money on the go with just the swipe of a finger through our Mobile Banking app. 

Free Checking

All of our fees are disclosed to you, so you never have to worry about hidden fees dinging your checking account.

Get Paid Early

Enjoy access to your eligible Direct Deposits up to five days sooner - for free - with Early Pay+!

Switch to a Free Momentum Checking Account

  • Open an Account
  • Contact Us

*Annual Percentage Yield (APY) as of 10/1/2022. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.

+ 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.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the US to use Zelle.