We can't help you house-train a puppy.
But we can help you save for a rainy day.

If you are age 55 or older, you can enjoy these services:

• A $500 deposit opens your account.
• Free Basic Checking or Image Checking account.
• Free personalized standard checks.
• Free 3" x 5" Safe Deposit Box (or $35 off the rental fee of a larger box).
• No fee for traveler's checks, money orders, or cashier's checks.

It's a checking account for people on the move. Zip Checking is a quick, convenient and paperless alternative to ordinary checking accounts.

• A $100 deposit opens your account.
• No maintenance fee with a monthly direct deposit or for young adults (18-22 years old) related to a current Bank of Ann Arbor account holder. A monthly maintenance fee of $9 will be imposed if there is no direct deposit.
• No interest paid on Zip Checking.
• Statements delivered electronically only.

Smart One is a high interest-earning checking account for customers who prefer to keep a significant amount of funds available. It combines traditional transaction handling like a checking account with the higher earnings of a money market savings.

• $10,000 deposit to open.
• No maintenance fee with a $1,000 minimum daily balance. (A $9 maintenance fee is charged for the month if the minimum balance is not maintained daily.)
• Interest is paid on a tiered rate structure. Interest rate and annual percentage yield may change.
• Statements are delivered electronically or by mail.
• Free specially designed Smart One checks, in your choice of wallet or duplicate style.

This is a tiered interest-bearing checking account that puts your money to work.

• A $500 deposit opens your account.
• No maintenance fee if you maintain a $1,000 daily minimum balance. Otherwise a $12 maintenance fee is charged for that month.
• Interest is paid on a tiered rate structure. Interest rate and annual percentage yield may change.
• Statements delivered electronically or by mail.

If you like to receive images of your paid checks in your statement, Image Checking is for you.

• A $500 deposit opens your account.
• No maintenance fee if you maintain either an $800 minimum balance or $1,600 average collected balance during the month or $5,000 in savings or $10,000 in certificates of deposit with us. Otherwise, a $12 maintenance fee is charged for that month.
• No interest paid for Image Checking.
• Statements delivered electronically or by mail.