Account Options

Bank of Ann Arbor offers a wide variety of checking accounts designed to meet individual needs. Whether you are looking for a basic account, or one with plenty of features, there's one to meet your requirements.

This is 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 $5,000 in savings or $10,000 in certificates of deposit with us. Otherwise, a $9 maintenance fee is charged for that month.
  • Maintenance fee can be waived with a monthly direct deposit.
  • No interest paid on Basic Checking.
  • Statements delivered electronically or by mail.

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.


Important information
You may be charged a fee if you use a non-Bank of Ann Arbor ATM.
Fees may be charged for overdrafts.





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