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.
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.
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®.
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.
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.
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.
*Express Pay. You may receive a direct deposit up to two days early with Express Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit. It is at our discretion to identify which recurring direct deposits are eligible for Express Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Express Pay service due to unanticipated circumstances. Express Pay is automatic and there is no fee.