Checking built for wherever life takes you

For over 14 years, we've had the same personal checking accounts. We’re now modernizing our products to better meet the needs of today's customers. This new lineup is all about giving you simpler choices and better features that grow with you at every stage of your life.

This move strengthens the value you receive through enhanced protection tools and technology while continuing to provide the great customer service community-focused banking you trust.

We’re modernizing to give you more security, better features and simpler choices. From a new lineup of personal checking accounts to a modern online banking platform, we’re strengthening the total value you receive from Arvest.

It’s a lot of change at once, but these updates work together to give you simpler choices, better benefits and enhanced protection. Our commitment to great customer service and community-focused banking you trust stays exactly the same.

Nothing is changing about how you use your personal checking account! We’ve made sure this process is hassle-free.

With your account change to Essential Checking, Plus Checking or Select Checking:

• Your account number stays the same.
• Your debit card continues to work seamlessly.

We’ve made sure this process is hassle-free.

With your personal checking account change to Essential Checking, Plus Checking or Select Checking:

• Direct deposits & automatic payments will continue to process as usual.

Nothing is changing about how you use your account!

Your account change to the new personal checking lineup will not affect your online or mobile banking access. While we’re also introducing a new, more secure online banking platform soon, your login credentials will remain the same for the new platform.

We’ll notify you by mail to let you know what your current checking account will become. This communication will be sent at least 30 days in advance of the change. If you have more than one checking account, you’ll receive more than one letter from us, and it may be at different times depending on when we make certain checking account updates.

If you have questions, please call us at (866) 952-9523 or visit your local branch.

We want this to be the best fit possible! We've used information about how you use your account and your typical balances to select the new checking account that matches your needs. However, you have complete freedom to choose your banking solutions. If a different account would better meet your needs, we have made it easy for you to make that change.

Our helpful selection tool makes it easy to choose a different account.

If you're happy with the new personal checking account we've selected for you, you don't need to do anything at all! We will automatically change your account on the date specified in your letter.

You have full control over your banking, and we encourage you to explore and compare your options. If you decide that a different account is a better fit, you can change at any time.

Changing your account is quick and easy. You can do it by:

• Using the online selection tool: Click here to choose a different account.
• Visiting a branch: Stop by your local branch to speak with an associate.
• Calling us: Give our Contact Center a call at (866) 952-9523.

At least 30 days before your account moves, we’ll mail you a letter letting you know exactly what your new account will be.

If your account is becoming either Plus or Select checking, look for a Benefits page inside the envelope. It will have a website and a special Access Code. You’ll use that code to activate features like IDProtect® with Dark Web Monitoring, 24/7 Roadside Assistance, or eVets Pet Care. While we have made signing up for benefits quick and easy, if you have previously activated Credit File Monitoring or Identity Monitoring through IDProtect® you will need to activate those services again using the new website and Access Code.

Yes! If you use a digital wallet (like Apple Pay), your access will not change. Your card will stay connected and ready to use just like it is today.

We’re committed to giving you plenty of notice. We will send you a letter at least 30 days in advance of your official account change date. We will also send email reminders to help you prepare for this transition. Update or confirm your contact info so you don’t miss a thing!

If you have more than one checking account, you’ll receive more than one letter from us, and it may be at different times depending on when we make certain checking account updates.

We’ll be updating our full suite of personal checking accounts over the next few months and expect the transition to be completed by Fall 2026. If you have more than one personal checking account, you’ll receive additional info explaining how and when your other personal checking account(s) will transition.

Your Savings or Money Market accounts are not being changed.

Yes — we’d love to help you find a simpler way to bank and organize your money. With our new account lineup, this is the perfect time for a financial check-up. Our teams can help to clean up your account list and ensure your money is working as hard as possible for you.

Visit a branch or call (866) 952-9523 to get started today.

Your choice for overdraft coverage (None, Basic, or Extended) will not change, and the $17 per item charge will not change. However, your limit may increase or decrease depending on what’s included with your new checking account.

Nothing is changing about how you use your account! Your account change to the new personal checking lineup will not affect your SafetyLink Transfers Service.

We’ve made sure this process is hassle-free. If you're happy with the new personal checking account we've selected for you, you don't need to do anything at all! We will automatically convert your account on the date specified in your letter.

We’ll send email reminders to help you prepare. Update or confirm your contact info so you don’t miss a thing!

Interested in a different account? Your financial journey is entirely in your hands, and you have full control over your banking options. If another account would better suit your needs, our helpful selection tool makes it easy to choose a different account.

Your new account terms go into effect on the date listed in your letter. The monthly service charge will begin only if the new account’s fee waiver requirements are not met.

In many cases, the fee waivers are things you may already do, like:

• Maintaining a certain combined deposit balance.
• Having a minimum amount of direct deposits into the account each month. (Direct deposits must be ACH credits. Debit card credits don't count toward direct deposits.)

If you are concerned about meeting the waiver, please reach out! We can look at your entire relationship to find a path to avoid the monthly service charge.

Our customers told us they wanted features that offered upfront, everyday value. So we’re updating our benefits to include IDProtect® with Dark Web Monitoring, 24/7 Roadside Assistance and 24/7 eVets Pet Care (depending on your new account type).

Existing AD&D coverage will end upon your official account change date.

Note: If a covered accident occurred at any time prior to your official account change date, a claim can still be filed.

We’re here for you!

• Visit a branch: Your local branch associates are ready to help.
• Call us: Contact the team at (866) 952-9523.