Let's find your money a nice home.
Open a checking or savings account, right here, right now1.
All you'll need is your driver's license and 10 minutes!
Everyday banking made easy.
Access your account anywhere and anytime through our app2 and online banking. With any personal checking account, you can make mobile deposits, pay bills, or send money to friends with Zelle®. Your debit card is convenient and secure. Add it to your mobile wallet, then just tap your phone or smartwatch when it's time to pay.
Account security is our top priority.
Bank with confidence and stay in the know with custom alerts. Whether it's a recent transaction, incoming deposit, or travel alert, it's easy to know what's happening with your checking account.
Connect One Checking
Key Benefit: No minimum balance fee.
- Minimum deposit of $100 to open
- $0 monthly maintenance fee and no minimum daily balance required
- Save and go paperless or receive printed statements for a $5 monthly fee
- For those 55 and over: Free Senior Program designed checks and free BOAA cashier's checks
Existing Customer? Login and tap Open Account to skip a few steps.
Smart One Checking
Key Benefit: Earn interest with different balance tiers. View Rates
- Minimum deposit of $1,000 to open
- $9 monthly maintenance fee or $0 when daily account balance remains $1,000 or more
- Free Smart One program designed checks
- Save and go paperless or receive printed statements for a $5 monthly fee
- For those 55 and over: Free Senior Program designed checks and free BOAA cashier's checks
Existing Customer? Login and tap Open Account to skip a few steps.
Savings
Key Benefit: Earn interest on balances over $100. View Rates
- Minimum deposit of $100 to open
- $4 monthly maintenance fee or $0 when daily account balance remains $100 or more
- Save and go paperless or receive printed statements for a $5 quarterly fee
Existing Customer? Login and tap Open Account to skip a few steps.
Money Market Savings
Key Benefit: Earn interest with different balance tiers. View Rates
- Minimum deposit of $500 to open
- $10 monthly maintenance fee or $0 when daily account balance remains $100 or more
- Save and go paperless or receive printed statements for a $5 monthly fee
- Checks available for purchase
Existing Customer? Login and tap Open Account to skip a few steps.
Upside Banking
Key Benefit: The simple way to avoid check-cashing service fees and overspending.
- Free debit card and Digital banking - no paper check writing
- Helps avoid overspending with no overdraft fees
- Free direct deposit
- Minimum deposit of $25 to open
- Earn a $50 bonus payment after account has been open for 90 days
- $5 monthly flat fee
Greenlight for kids
Key Benefit: Debit card and app that teaches money skills.
- Complimentary when you use your Bank of Ann Arbor checking account as the funding source
- Security built in for kids of all ages
- 5-star rated Money app
Youth Savings
Key Benefit: Earns interest without a minimum balance fee. Available to anyone under the age of 18. View Rates
- Low minimum deposit with just $10 to open
- Earns interest with balances as low as $0.01
- $0 monthly maintenance fee and no minimum daily balance required
- Receive paperless or printed statements for free
- Pairs well with Greenlight, the debit card and app that teaches kids and teens money skills
See how you can connect to your accounts. Learn more about Mobile2 and Online Banking.
Want to start using online banking? Account holders can enroll in online banking.
1Checking and Savings accounts are subject to approval. Restrictions and limitations may apply.
2Message and data rates may apply when using the Bank of Ann Arbor mobile app.
