Checking
Convenient checking accounts and premium perks
Discover a range of checking accounts designed for your needs, including our premium interest-earning Choice Checking account with exclusive benefits like travel perks and added security.
Convenience where it matters the most
Choice Checking takes you further
Our premium checking account keeps your money safe, your information secure, and earns you more.
Checking Rates*
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®.
The choice is easy.
Earn more with our preferred checking account. Choice Checking keeps your money safe, information secure, and earns interest.
Exclusive Member Benefits | Choice Checking | Basic Checking |
Universal access to mobile banking and e-banking | icon-check | icon-check |
Fastest access to funds with direct deposit and Express Pay | icon-check | icon-check |
Safety and security with debit card controls | icon-check | icon-check |
Service at 20+ member centers and over 30,000 fee-free ATMs | icon-check | icon-check |
Optional overdraft protection | icon-check | icon-check |
Unlimited financial guidance from a credit union-certified financial counselor in our Choice Map program | icon-check | icon-check |
Interest-earning (balances over $2,500) | icon-check | |
Free Paper Statements | icon-check | |
Travel and Leisure Discounts, $hopping RewardsTM, and Health Discount Savings | $300 Estimated Yearly Savings | |
IDProtect® Identity Theft Monitoring and Resolution Service1 | $120 Estimated Yearly Savings | |
Up to $10,000 AD&D Insurance2, Debit Advantage®2, and Cellular Telephone Protection2 | $120 Estimated Yearly Savings | |
$5.95 Per month |
Terms and Conditions
*Registration/activation required.
- Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
- Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
- You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to you score on a monthly basis.
Direct Deposit & Express Pay
Direct deposit is an automatic electronic deposit of your paycheck into your account. Not only will you have fast, secure access to your funds—you’ll also lower your risk of ID theft and mail fraud. And, you’ll have a suite of digital tools that simplify managing your money.
Enjoy access to Express Pay! If you have a Community Choice checking account with direct deposit, you could get your pay up to two days early. No cost. No catch. If we receive your direct deposit information from your employer prior to payday, we will make your money available to you when we receive it, up to two days early. It’s that simple. No need to sign up. If you qualify, you will automatically receive your pay early.*
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
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.
Free digital banking
Bank from anywhere with online and mobile access. Manage accounts and loans from your computer, tablet, or phone.
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.
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.
Terms and Conditions
*Registration/activation required.
- Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
- Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
- You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to you score on a monthly basis.
*APY = Annual Percentage Yield
No minimum to open Choice Checking account. Fees may reduce earnings. Interest not available on Basic Checking.
All annual percentage yields are based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. For more information, please refer to our Agreements & Disclosures.