Armstrong Bank is a family-oriented bank that takes pride in its ability to provide exceptional customer care and service. Many of the bank’s services are suited to its main branch locations, which are spread out in Oklahoma and Arkansas. In fact, the bank has such a regional consumer-focused brand that even the bankers are well-known members of the community they serve.
Armstrong Bank’s Online Login Portal – Step-By-Step Guide

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There are a couple of steps required to access the Armstrong bank’s login page. Here are the steps outlined for a practical use-case.
- 1Open a compatible web browser and head to the Armstrong bank landing page. There is a Login button on the side of the page under Online Access that can redirect you to the Login Page.
- 2Reach the Login Page and enter your info into the two fields, Online Banking ID and Online Banking Password. There is also an option to reset your password.
- 3Enter your information and then click on the Login button to access your various accounts.
The security on the page is Norton Security protected, which is powered by Symantec.
Personal Checking Accounts
The Armstrong online banking experience offers a variety of checking accounts for personal and business purposes. All the checking accounts at Armstrong Bank come equipped with free online banking, free online bill pay, and a free check card. Additionally, there is 24-hour telephone access and Armstrong rewards available to account holders.
Exclusive Checking Account
On top of the basic benefits allotted to Armstrong checking accounts, there are unlimited transactions, free checks, and access to BaZing. This account does have a $100 minimum balance requirement to open an account and a $6.95 monthly service charge.
BaZing is an online and mobile app that provides information on discounts and special offers near you and across the U.S.
Gold Plus Checking Account
This account also offers unlimited transactions, free checks, and access to BaZings. On top of these offerings, the Gold Plus account allows your principal balance to accrue interest provided the balances is over $1000. There is a $100 minimum balance needed to open the Gold Plus account, it also takes a $4.95 monthly charge.
Gold Checking Account
The Gold Checking Account is similar to Gold Plus, but it does not offer access to BaZing. Also, there are no free cashier’s checks & money orders with this account. The Gold Checking account has a $100 minimum balance requirement in order to start banking, but there is no monthly fee.
EZ Checking Account
These accounts are very similar to Gold Checking Accounts in offerings. However, the EZ Checking Account does not provide free checks. But it does include all the other basic features available with Armstrong checking accounts. And like the Gold Checking option, this account also has a $100 minimum balance fee and no monthly service charge.
Money Managers Checking Account
This account is definitely meant for building up on interest. While it foregoes all the other benefits like free checks and access to BaZing, the account does offer interest on principal balances over $2500. The minimum balance needed to start banking operations with this account is $2500, and there is a $7.95 service charge if your balance falls below $2500.
Investment Checking Account
This account is similar to the Money Managers account. While foregoing the other basic checking account benefits, this account offers interest on principal balances over $1000. The minimum balance requirement to start banking services is $1000, and there is a $7.95 service charge if your balance falls below $1000.
Business Checking Accounts
The other half of checking accounts at Armstrong Bank is catered toward businesses. These accounts all offer a free business check card, free online banking, free mobile banking, free bill pay, and free electronic statements.
Small Business
The plus point to this account is that the service fee is waived. Additionally, the other benefits are unlimited electronic transactions and access to business solutions. The small business account requires a minimum balance of $100 to start banking services.
Commercial Business
This account is similar to the small business account because it provides unlimited electronic transactions along with access to business solutions. The commercial business account requires a minimum balance of $100 to start banking services as well.
Non-profit Organization
This account aimed toward non-profits offer all the same basic account benefits along with unlimited electronic transactions along with access to business solutions. And like the small business and commercial business accounts, the non-profit organization account also has a $100 minimum balance requirement.
Investment Checking
The big plus point to this account is that it earns interest on the principal balance. It also offers unlimited electronic transactions along with access to business solutions. This investment account needs $1000 as a minimum balance to start banking services, and it has a $6 monthly service fee.
Money Manager
This account is very similar to the Investment Checking account aside from providing unlimited electronic transactions. Unlimited transactions are not a part of this account’s offerings. This account has a $2500 minimum balance requirement, and a $7.95 monthly service charge applies if the account balance falls below the minimum.
Here Are Some of The Key Features to Armstrong Checking Accounts

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Every checking account offers online and mobile banking options along with free bill pay, free electronic statements, and free 24-hour telephone services. Additionally, the bank also offers rewards through either BaZing or the bank’s own Armstrong Rewards program.
Savings Accounts
There are a few savings account categories to sift through with Armstrong Bank’s online offerings. Here are some of the personal and business accounts available.
Regular Savings Account for Personal-use
Along with six free withdrawals per quarter, the bank also offers interest on balances greater than $50. There are also no service charges on balances above $50.
Young Savers Account for Personal-use
There is no minimum balance required to open a Young Savers Checking Account. There is a maximum of six free withdrawals per quarter. Additionally, interest is paid quarterly and there are no minimum balance service charges.
Health Savings Account for Personal-use
The main benefits to this account are unlimited check writing and interest paid on collected balances.
Basic Business Savings Account
There is only one business savings account type available through the Armstrong Bank. There are six free withdrawals per month along with interest paid quarterly on balances over $50.
What Additional Features Does Armstrong Bank Offer?

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Along with providing a number of checking and savings account options, the bank also presents many other financial offerings like investments, loans, certificates of deposit, and more.
Loans from Armstrong Bank
There are a number of loans available through Armstrong Bank. The standard loans offerings like personal and business loans are available through the bank. However, there are other more niche loans such as real estate, mortgages, and agriculture loans.
These various loans have narrower selections, for example, agricultural loans have loans for farm equipment, farm vehicles, and livestock. The personal loans have specific types too, but they all focus on transportation. Personal loans cover vehicles, boats, travel trailers, and tractors.
Certificates of Deposit from Armstrong Bank
There are personal and business CDs available through the bank. These deposits are investments with secure returns and have maturity terms that range from 91 days to 5 years at a time. Armstrong bank’s interest on CDs can be paid monthly, quarterly, or annually. CDs that renew automatically allow withdrawals within 10 days of maturity before beginning another maturity term.
Digital Wallets from Armstrong Bank
The digital wallet easily syncs your Armstrong Bank Check Card with a smartphone or smartwatch. This offers customers a quick way to pay at millions of stores that accept mobile payments. There are benefits to using your digital payment option such as added security through fingerprint authentication and tokenization.
Telephone Banking with Armstrong Bank
This is a great feature for immediate access to the information you need most. Some of the information includes checking your account balance and verifying direct deposits.
Additionally, you can make transfer and loan payments over the phone as well as determine the last five transactions on your account. Just make sure you have your account number and pin handy before calling in.
Bill Pay Through Armstrong Bank
The digital bank features secure capabilities to pay merchants online as well as through mobile using the Bill Pay application. On top of being able to pay merchants securely, you can also set up regular payments through the app as well for expenses like rent and grocery shopping.
Some of the key benefits of using this feature include saving time and money. It is also a flexible and convenient payment method as a lot of merchants are able to accept the digital payment option.
Armstrong Bank Mobile Banking Login Portal – Step-By-Step Guide
There is a similar process to undergo when accessing your accounts through the credit union’s mobile app. Here are the basic steps to log in on the Affinity Plus mobile app.
- 1Download the app from your smartphone’s app store, such as the Google Play Store.
- 2Launch the app to bring up the Login prompt page.
- 3You will be prompted to enter in a passcode or fingerprint authentication in order to access your accounts.
While the app is not well rated on Apple’s App Store, it has received updates recently that improved the app. A recent update included two-factor authentication for improved security measures.
What Makes Mobile Banking at Armstrong Bank Unique

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The bank’s app allows you to use the Bill Pay feature, make transfers, and add outside accounts too. There is a new two-factor authentication for added security. The app also allows you to access your bank accounts, Bill Pay, and credit card accounts at any time.
View Transactions
It is even easier to keep up with your account balances and transfers in real time through Armstrong Bank’s mobile app. If you have a checking, savings or credit card with another bank, you can view them all from the Armstrong Bank’s mobile app. It is easy to stay up to date with your accounts through the mobile app.
Easy Deposits
You can deposit checks on the go, right from the app. Instructions are provided on-screen about the process of setting up the feature. You can apply for the mobile deposit feature through the app. The process of depositing a check is fairly simple. Take a picture of the check, deposit the funds into an account, and view the deposit history.
Fully Customized Dashboards
Customize your mobile app experience by setting up the dashboard to suit your needs. You have the freedom to move around the various pane options from the manage cards section to the view financial institution information section.
Public Perception

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The Oklahoma and Arkansas-based bank provides exceptional customer service, but its services are limited in scope due to its niche market. As a family-oriented bank, the financiers at the bank are a part of the community and understand the local market well. It is a community bank with a recognized name in the region it operates in.
Here Is What We Think
The Armstrong Bank provides quality service to clients within the Arkansas and Oklahoma areas, but it will be difficult to make full use of their services outside of those places. While the online experience is fairly simple to navigate and utilize, there are some drawbacks missing out on the in-person banking experience. The bank prides itself on customer service and employing known regional bankers. However, there is little to take advantage of here if there is no in-person service provided because there are no Armstrong Banks located near you. If that’s the case, then this may not be the best banking option for you. Mainly because you cannot get the full banking experience, and there are likely other local banking options nearer to you and your business. Additionally, other local banks are likely to have equally valuable online and mobile banking options.
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