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Open a checking or savings account, right here, right now.

Already a Bank of Ann Arbor customer? Login to Online Banking and select Open an Account.

Smart One Checking

An interest-earning account with a $1,000 minimum daily balance.

  • Interest paid on a 5-tier rate structure
  • Includes: Free Smart One Checks, Free Cashier Checks and Money Orders
  • $10,000 minimum opening deposit
  • $1,000 monthly minimum account balance
  • $9 monthly service charge when minimum balance not met
  • CheckFree Bill Pay
  • VISA Debit Card

Simply Free Checking

A flexible account with no minimum balance requirements.

  • $100 minimum opening deposit
  • No minimum balance requirements
  • No monthly service charge
  • This account is non-interest bearing
  • CheckFree Bill Pay
  • VISA Debit Card

Money Market Savings

Earn a higher interest rate as your account grows, with a $100 minimum daily balance.

  • Interest paid on a 6-tier rate structure
  • $500 minimum opening deposit
  • $100 monthly minimum account balance
  • $2 monthly service charge when minimum balance not met

Statement Savings

Interest earnings do not change based on your account balance, with a $100 minimum daily balance.

  • Interest paid on balances over $100
  • $100 minimum opening deposit
  • $100 monthly minimum account balance
  • $4 monthly service charge when minimum balance not met

All accounts include Online/Mobile Banking and Electronic Statements.

Looking for Online Banking registration? Click here.