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Checking Accounts

At Arundel Federal Savings Bank, we understand that every dollar counts. That’s why we offer a variety of personal checking account options: Free Bee Checking, NOW Checking, Senior Rewards Checking and a Money Market Checking—so you have the option of choosing the one that’s right for you. Whether you're looking for an account with no monthly service charges, no minimum balance requirements after the initial deposit or earning interest on your money, you can find a checking account to meet your needs at Arundel Federal Savings Bank.

Our accounts allow you to manage your money with ease while enjoying a variety of account benefits that can help build your finances while meeting your specific needs. Convenient options and benefits include avoiding a low monthly maintenance fee when a low minimum balance is maintained, ATM/debit card, interest-bearing accounts, online banking, mobile banking, mobile deposit, online bill pay and more.

Many checking accounts can be opened online or by visiting one of our Maryland branches located in Annapolis, Brooklyn, Glen Burnie, Pasadena, or Severna Park. Make your financial life simpler with an Arundel Federal Savings Bank Checking Account and experience the peace of mind that comes from banking with a trusted community-minded institution dedicated to your success for over 100 years.  

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FreeBee Checking-No Service Charge Personal Account

Say hello to convenience and boost your banking with Arundel Federal's FreeBee Checking Account. Avoid extra fees and minimum balance requirements while enjoying the Arundel Federal FreeBee Checking account features.

Arundel Federal Savings Bank's FreeBee Checking Account offers the of convenience financial flexibility. With no complex requirements and a commitment to personalized service, this account empowers customers to effortlessly manage their finances while achieving their financial goals.

Coupled with seamless online and mobile banking options, Arundel Federal ensures that accessing and managing your funds is both easy and efficient. Choose the FreeBee Checking Account today and experience the peace of mind that comes from banking with a trusted community-minded institution dedicated to your success for over 100 years. 

  • $50 minimum opening deposit
  • No interest paid
  • Debit card with surcharge-free access to 5,000+ ATMs nationwide
  • Unlimited check writing
  • No monthly service charge
  • No minimum balance required after initial deposit
  • Monthly statement - printed or electronic
  • Free teller transactions
  • 24/7 Telephone Banking
  • Online Banking
  • Bill Pay
  • Mobile Banking
  • Avoid overdraft fees by signing up for "Worry Free" savings transfers or applying for an overdraft line of credit

Effective Date: Friday, May 9, 2025

Checking Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
NoneN/A

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.

Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

NOW Checking^°

Start earning interest on your checking account balance, and watch the rate increase as your balance rises with an Arundel Federal Savings Bank NOW Personal Checking account. Maximize your checking account dollars in a variable interest rate bearing account. Enjoy the convenience of online banking and bill pay, mobile banking, unlimited check writing and more. 

  • $250 minimum opening deposit
  • Interest is compounded daily & credited monthly
  • Variable interest rate tied to balance
  • Interest tiers: $250 - $999, $1,000+
  • Daily account balance determines that day's interest tier
  • Debit card with surcharge-free access to 5,000+ ATMs nationwide
  • Unlimited check writing
  • Monthly service charge of $5 if balance falls below $250
  • Monthly statement - printed or electronic
  • Free teller transactions
  • 24/7 Telephone Banking
  • Online Banking
  • Bill Pay
  • Mobile Banking
  • Avoid overdraft fees by signing up for "Worry Free" savings transfers or applying for an overdraft line of credit

Effective Date: Friday, May 9, 2025

Checking Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.03$250.00
0.03$1,000.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.

Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Senior Rewards Checking 55+^*

Take advantage of your age with an Arundel Federal Savings Bank Exclusive Senior Rewards Checking account available for customers age 55+ and take advantage of a variety of money-saving benefits.

Keep things simple and stress-free and enjoy no minimum balance requirements, no monthly service charges, easy-to-read monthly statements, and online banking options to keep you in control of your finances. Plus, your balance earns a competitive interest rate. 

Open online now, visit one of our five Maryland branches in Annapolis, Brooklyn, Glen Burnie, Pasadena or Severna Park or give us a call at 410-768-7800. 

Make your financial life simpler with an Arundel Federal Savings Bank Senior Rewards Checking Account and experience the peace of mind that comes from banking with a trusted community-minded institution dedicated to your success for over 100 years.  

  • $50 minimum opening deposit
  • Interest is compounded daily & credited monthly on entire balance, once daily balance reaches $250
  • Debit card with surcharge-free access to 5,000+ ATMs nationwide
  • Direct deposit to any AFSB account required
  • No monthly minimum balance requirement
  • No monthly service charge
  • Monthly statement - printed or electronic
  • No charge for check orders (limitations apply)
  • Free safe deposit box rental (limitations apply)
  • Free teller transactions
  • 24/7 Telephone Banking
  • Online Banking
  • Bill Pay
  • Mobile Banking
  • Avoid overdraft fees by signing up for "Worry Free" savings transfers or applying for an overdraft line of credit

Effective Date: Friday, May 9, 2025

Checking Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.03$250.00/$50.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.

Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Money Market Checking^°

Designed for higher balances, an Arundel Federal Savings Bank Money Market Checking account offers competitive interest rates based on your growing account balance. Interest is compounded daily and credited monthly. 

Similar to a checking account, this Money Market Checking account provides unlimited online bill payments, debit card transactions and more. 

Open online now, visit one of our five Maryland branches in Annapolis, Brooklyn, Glen Burnie, Pasadena or Severna Park or give us a call at 410-768-7800. 

  • $1,000 minimum opening deposit
  • Variable interest rate tied to balance
  • Interest tiers: $1,000 - $19,999.99; $20,000 - $49,999.99; $50,000 - $249,999.99; $250,000 - $500,000.00
  • Interest is compounded daily and credited monthly
  • Debit card with surcharge-free access to 5,000+ ATMs nationwide
  • Unlimited online bill payments, debit card transactions and electronic transfers
  • Monthly service charge of $5 if balance falls below $1,000
  • Monthly statement - printed or electronic
  • Free teller transactions
  • 24/7 Telephone Banking
  • Online Banking
  • Bill Pay
  • Mobile Banking
  • Avoid overdraft fees by signing up for "Worry Free" savings transfers or applying for an overdraft line of credit

Effective Date: Friday, May 9, 2025

Checking Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open

0.05

$1,000.00

0.10

$20,000.00
0.25$50,000.00
0.40$250,000.00
0.75$500,000.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.

Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

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