Easy, reliable everyday checking.
Direct Checking keeps everyday banking simple with the essential features you need and easy access to your money when you need it most.
Here's what sets it apart.
No monthly fees.
Everyday checking with no monthly service fee.
First order of checks, completely on us.
Your first check order is free. Charges apply to additional orders.
Earn dividends.
Earn dividends for months when a direct deposit is credited or an automatic payment is made.
ATM freedom, nationwide.
No Arise fee for your first eight non-Arise ATM transactions each month; $1 per transaction after eight. ATM owner surcharges are reimbursed up to $10 per month.
Built for Members. Designed for Life. 
Life Comes First. 
Saving You More Than Money. Move Forward with Confidence. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Saving You More Than Money. Move Forward with Confidence. You're 3 steps away from your new account.
We've made opening an account as simple as possible, because you've got more important things to think about. The whole process takes about five minutes. Really.
Step 01
Tell us about you.
Enter a few basic details so we can get to know you and start setting up your new account.
Step 02
Pick your account.
Select the account you would like to open. Unsure? Give us a call, we'll help you find the account that fits your life.
Step 03
Start banking.
Fund your account and get ready for everyday banking, from paying bills to managing your money on the go.
Your Direct Checking Account questions, answered.
The ones we hear most. Answered plainly, without the fine print.
Minimum opening deposit of $1. A minimum balance of $5 is required to earn dividends.
There is no monthly service fee for Direct Checking. Other fees may apply; see our Consumer Fee Schedule for details.
Yes. Dividends are earned for months when a direct deposit is credited or an automatic payment is made. Visit the Rates Page for the current dividend rate, APY, and minimum balance to earn APY.
Yes. Your first eight non-Arise ATM transactions each month have no Arise transaction fee. After eight, a $1 fee applies per transaction. ATM owner surcharges are reimbursed up to $10 per month.
Use Mobile Check Deposit. You must be 13+ with a valid email and enrolled in Digital Banking.
Yes, Digital Banking with unlimited Bill Pay and our Digital Banking app are both included, available 24/7.
Yes, your funds are federally insured up to $250,000 by the NCUA, with additional coverage by MSIC above that limit.
Terms and Conditions
Membership eligibility applies. Minimum opening deposit is $1. No monthly service fee. Other fees may apply; refer to our Consumer Fee Schedule. The first order of checks is free; charges apply to additional orders. Dividends are earned for months when a direct deposit is credited or an automatic payment is made. Refer to our All Rates page for the current dividend rate, Annual Percentage Yield (APY), and minimum balance to earn APY. Fees may reduce earnings. Arise Financial does not charge a transaction fee for the first eight non-Arise ATM transactions each month. A $1 fee applies to each additional transaction. ATM owner surcharges are reimbursed up to $10 per month. Debit card applicants must be at least 18 years old. Mobile Check Deposit applicants must be at least 13 years old, have a valid email address, and be enrolled in Digital Banking. Mobile banking is offered as a free service. Message and data rates apply. Refer to your account agreement and Truth-in-Savings disclosure for complete account terms. Arise Federal Credit Union doing business as Arise Financial.
We're here for you.
Our team is ready to help you reach your goals with personalized support and guidance.
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