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Arrowhead Spending account

A checking account with no maintenance fee, that keeps you from spending more than you have.1

Phone depositing a check
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Arrowhead Spending
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Features
Rates and Fees
FAQ & Links

Features

Features

  • $0 monthly maintenance fee
  • Checkless account with no fee for money orders
  • Spending limited to your account balance1
  • Free Visa debit card issued instantly in a branch
  • Mobile wallet ready Visa debit card
  • 24/7 access with online banking and our mobile app
  • Free bill pay
  • Direct deposit available2
  • Open with as little as $25

To open an Arrowhead Spending account please go to your nearest branch.

Bank On Seal

Arrowhead Spending account was awarded with the National Bank On Certification for meeting standards as a low-cost, low-fee account.

Rates and Fees

Rates & Fees

Spending Account
Effective Date: Wednesday, April 30th, 2025
NameFee
Maintenance Fee Free
Membership Fee $5
ATM Transactions at Arrowhead/CO-OP Locations*
Withdrawals Free
Deposits, Transfers, Balance Inquiries Free
ATM Transactions at Non Arrowhead/Non CO-OP ATMs*
Withdrawals  $3 each
Transfers, Balance Inquiries Free
Money Orders Free
Cashiers Check (Payable to Third Party) $5
Account History Print Out $3
*Additional fees may be charged by the owner/operator of the ATM or POS and will be disclosed at the time of transaction.
 

 Please refer to the Schedule of Fees for more information.

FAQ & Links

FAQs & Links

What is my routing number?

Your Arrowhead Spending account routing number is 322282603.

What is my Arrowhead Spending account number?

You can locate your checking account number by logging into digital banking, clicking on the account you're looking for, then clicking "Account Details" on desktop or "Show Details" in the mobile app. Your account number will show as "Electronic Account Number".  

If you are unable to locate your account number in digital banking, please give us a call at (800) 743-7228 and we can help you retrieve it.

What can I do in digital banking?

You can transfer money, pay bills, set-up alerts, check your balance, and more.
 

Related Links
Routing Number
Direct Deposit

1If a transaction is approved for one amount but the actual charge is more than your available account balance when posted, your account will have a negative balance, and we will not charge you a Courtesy Pay fee. Overdraft transfer protection is available as an optional feature. When enrolled in overdraft transfer protection a fee will apply. See the Schedule of Fees for information.
2Restrictions may apply.

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