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Checking Account Details

Zip Checking

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 or minimum balance requirement with a monthly direct deposit or for young adults (18-22 years old) related to a current Bank of Ann Arbor account holder. If there is no direct deposit for two consecutive cycles, then a $9 maintenance fee is imposed until direct deposit resumes.
  • Statements delivered electronically only.
  • No interest paid on Zip Checking.

Basic Checking

A straightforward checking account with no activity limits.
  • A $500 deposit opens your account.
  • No maintenance fee if you maintain either a $600 minimum balance or a $1,200 average collected balance during the month or maintain $5,000 in savings or $10,000 in certificates of deposit with us. Otherwise, a $9 maintenance fee is charged to the account for that month.
  • Maintenance fee waived with a monthly direct deposit.
  • No interest paid on Basic Checking.
  • Statement delivered electronically or by mail.

Image Checking

If you like to receive images of your paid checks in your monthly statement then 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 to the account for that month.
  • No interest paid on Image Checking.
  • Statement delivered electronically or by mail.

Money Market Checking

An 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 minimum balance. Otherwise a $12 maintenance fee is charged to the account for that month.
  • Interest paid on a tiered rate structure.

Smart One Account

The Smart One Account is a high interest-earning checking account for those who prefer to keep a significant amount of funds available. The Smart One Account combines the traditional transaction handling of a checking account with the higher earnings of a money market savings.
  • A $10,000 deposit opens your account.
  • No maintenance fee if you maintain a $1,000 minimum balance. Otherwise a $9 maintenance fee is charged to the account for that month.
  • Free specially designed Smart One checks. Your choice of wallet or duplicate style.
  • Interest paid on a tiered rate structure.
  • Statement delivered electronically or by mail.

Senior Checking

Older is wiser, especially when you take advantage of Senior Checking. If you are age 55 or better, you can enjoy these free 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.
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