Checking

Better banking starts with better checking

Whether you’re looking for the basics or extras like identity theft monitoring and cell phone protection, we’ve got a personal checking account that suits your needs and goals. Available to members ages 12 and up.

Open a checking account online

Convenience where it matters the most

Mobile banking
e-Banking
Direct deposit
Express Pay
Debit card controls

Credit Score, powered by SavvyMoney
30K+ fee-free ATMs
20+ member centers

Optional overdraft protection
Access to Choice Map

Choice Checking takes you further

Our premium checking account keeps your money safe, your information secure, and earns you more.

Open a Choice Checking account

Identity theft monitoring & resolution service

This extra layer of security provides confidence and peace of mind.

Travel and entertainment perks

Enjoy discounts on shopping, travel, movies and more.

Earn interest on $2,500+

No minimum balance, but you can earn interest on a balance of $2,500 or more.

Debit Advantage®

Eligible accounts can secure new purchases with Buyer’s Protection and Extended Warranty.

Cell phone protection

Receive up to $300 of replacement or repair costs.

Plateau Insurance

Up to $10,000 accidental death and dismemberment insurance.

Keeping it simple? Basic Checking is your match

Free e-Banking, e-Pay, and e-Deposit
No monthly charge with e-Statements
No monthly account fee or minimum balance

Our Basic Checking is the straightforward solution for the no-frills member. Enjoy the same 24/7 account access, online banking, and a free Debit Mastercard®.

Open a Basic Checking account

Switch accounts in seconds

We make it easy with ClickSwitch! Change direct deposits and recurring payments over to Community Choice with a few simple clicks.

Hear from happy members

“Great CU! Courteous, professional, informative and a great place for checking, savings, and an auto loan if needed. Wouldn’t go anywhere else since starting my relationship with Community Choice! As always, thank you for great service!” Michelle K.
“I should have joined Community Choice Credit Union a long time ago!! Everyone there is so friendly and professional. Keep up the good work.” Sylvia T.
“We have been with the credit union for a long time, we have consistently received wonderful customer service and help when needed. We tell everyone about our wonderful credit union and recommend it often. Your staff is very pleasant and easy to work with. I appreciate knowing I can come in and get the help I need. Thank you for being there for us.” Thomas R.
“Absolutely wonderful service! The people I’ve spoken to are reliable, understanding, positive and helpful! They have solved everything I’ve had questions about in the kindest way! Thank you!” Ariel M.
“I have been with Community Choice for 35 years I would recommend anyone and everyone to be able to experience my appreciation and good quality service from these great people. Again, thank you for your service.” Patricia S.

Celebrate convenience with Mastercard®

Speed through checkout online and in stores
Safeguard against loss or theft with Mastercard ID Theft Protection™
Tap to pay in stores where you see the contactless symbol
Access 30,000+ fee-free ATMs
Receive your digital card right away! Learn more

Universally accepted, your Debit Mastercard keeps payments and purchases fast, easy, and secure.

See our credit cards

Enjoy $12 in monthly rewards, up to $144 annually

Get rewarded for making smart financial decisions! Using your debit card, getting paid through direct deposit, and other routine activities help you earn GetBigReward$.

Learn more about our rewards.

Open an account

Free digital banking

Bank from anywhere with online and mobile access. Manage accounts and loans from your computer, tablet, or phone.

View e-Banking

Mobile app

Control your accounts, monitor spending, transfer money, and do it all securely from your phone.

e-Deposit

Easily deposit a check into your accounts from your phone with a simple photo.

Apple Pay & Google Pay

Make convenient, secure payments when you add your Community Choice credit or debit card.

Card controls

Take charge of how your cards are used, including automatically limiting purchases by transaction type and location.

Emergency funds

Our self-serve Express Cash loans provide money with only 6 clicks in 60 seconds.

Goals made easy

Our Targets tool lets you set savings goals and auto transfers via e-Banking.

Personal Checking FAQs

Your Choice Checking and Basic Checking questions answered. See all frequently asked questions.

See all frequently asked questions

Related to Personal Checking

Personal Savings

Youth Accounts

Credit Cards

Building better community, one member at a time

We know that when our members are living well and enjoying healthier finances, our communities are better off. That’s why we offer smart solutions and great banking benefits.

Become a member