Personal Checking Accounts
Coming soon: The Live Up Spending Account
Coming this November, the Live Up Spending Account is more than your average checking account — it’s designed to help your money do more with competitive dividends that keep earning for you, even while you sleep. With smarter features and everyday flexibility built around your needs, you can focus on living while we take care of the rest.
Direct Checking
Direct Checking is a simple, reliable account built for everyday banking. It's our most straightforward spending/checking account option — easy to manage, easy to access, and ready to use whenever you need it.
Business Checking
When you're running a business, you need banking that stays out of the way until you need it, and then steps up when you do. Business Checking gives you a low opening deposit, no monthly service fee, unlimited monthly transactions, unlimited currency deposited each month, and digital tools that help you move money and monitor your accounts with confidence.
Business Plus Checking
Enjoy hassle-free business banking with competitive dividends and minimal balance requirements. Access your money anytime with unlimited transactions, Digital Banking tools and more. It's a simple, flexible account designed to support your business every day.
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. The ones we hear most. Answered plainly, without the fine print.
Yes! Our current personal checking accounts reimburse up to $10 per month in fees charged by other ATM owners. Coming in November, Live Up Spending will reimburse up to $20 per calendar month in eligible ATM surcharges.
With Direct Checking, your first 8 non-Arise Financial ATM transactions each month are also free of Arise Financial fees. After that, we charge $1 per transaction.
Yes! Your first check order is free with Direct Checking, 50+ Checking, or Student Checking. With Premium Checking, check orders are available at no charge.
Our team is ready to help you reach your goals with personalized support and guidance.
Contact UsCompare
| Product | Best For | Dividends | Monthly Fee | Minimum to Open | Key Highlights |
|---|---|---|---|---|---|
| Direct Checking | Everyday banking | Yes; $5 minimum balance, plus direct deposit or an automatic payment during the month | None | $1 | First order of checks free; Digital Banking; mobile check deposit; bill pay; debit card |
| Premium Checking | Higher dividends | Yes; tiered by balance, with a $5 minimum to earn dividends | $6/month if the average daily balance falls below $1,500 | $1 | No charge for checks; Digital Banking; mobile check deposit; bill pay; debit card |
| 50+ Checking | Members age 50 and older | Yes; $5 minimum balance to earn dividends | None | $1 | First order of checks free; Digital Banking; mobile check deposit; bill pay; debit card |
| Student Checking | Actively enrolled undergraduate students | No | None | $1 | First order of checks free; Digital Banking; mobile check deposit; bill pay; debit card |
| Business Checking | Businesses that want low-fee, high-utility banking | None | None | $50 | Unlimited transactions; unlimited currency deposits; business debit card; unlimited bill pay |
| Business Plus Checking | Businesses that want dividends and expanded value | Yes; $5 minimum balance to earn dividends | $6/month unless a minimum balance of $1,500 is maintained | $50 | Unlimited transactions; unlimited currency deposits; business debit card; unlimited bill pay |
Terms and Conditions
Rates are subject to change. Please view the Rates Page for current rates. Fees could reduce earnings. Refer to our Membership Agreement and Disclosures and the Truth-in-Savings disclosure for complete terms and conditions. Account eligibility and requirements apply. Mobile banking is offered as a free service. Message and data rates apply.
