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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


  • $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 when you join
  • Mobile wallet ready Visa debit card
  • Send money with Zelle
  • 24/7 account access with online banking and our mobile app
  • Free bill pay
  • Direct deposit available2
  • Open with as little as $25


Rates and Fees

Spending Account
Effective Date: Sunday, June 4th, 2023
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

What can I do in online banking?

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

What is my Arrowhead Spending account number?

You can locate your Arrowhead Spending account number by logging into online banking. Click on the red gear wheel next to your spending account and choose Account Details.

What is my routing number?

Your Arrowhead Spending account routing number is 322282603.

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.
Restrictions may apply.

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