Choice Checking

With Choice Checking, your account revolves around you. Enjoy valuable savings and discounts at local and national stores. Plus, your personal information is proactively monitored through a comprehensive fraud protection program, including hands-on measures should your identity ever be compromised.

Best yet, all of this value comes to you with the ability to lower or even eliminate the monthly maintenance fee. Simply do things like receive free eStatements and make debit card purchases and watch as the monthly maintenance fee disappears.

Choice Checking
  • Valuable merchant discount program
  • Comprehensive fraud protection and restoration services
  • No minimum balance to maintain account
  • Qualifications to reduce the low monthly maintenance fee:
  • Begin each statement cycle with $5.00 monthly fee
  • Be enrolled and receive eStatement notice to reduce fee by $2
  • Further reduce by 20¢ per debit card purchase that posts and settles, until fee is eliminated
  • Free online banking with bill pay**
  • Sign up for monthly eStatements
  • Free telephone banking
  • Free VISA Debit Card***
  • $25 minimum deposit to open

*Minimum to open account is $25. The monthly service fee for this account is $5. This fee may be reduced by doing the following during the monthly qualification cycle: $2 reduction in fee for enrolling in and receiving e-statement notice and $0.20 reduction in fee for each posted and settled debit card purchase. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Merchant rewards and identity theft protection available one business day following account opening. Limit one account per SSN.

**Third party fees for Internet, messaging and data plans may apply.

***Overdraft and returned item fees may apply.

Merchant Rewards

Enjoy special discounts and rebates, exclusive to Choice Checking account holders, through our online discount program—including savings at over 250 major national and local retailers!

National Savings

Enjoy rebates up to 30% at hundreds of the biggest brand-name national retailers online. Simply make your purchase and the rebate will be automatically deposited back into your checking account.

In-Store Savings

Before you go shopping, you can enter your zip code to find discounts and specials at nearby retailers. Just print out the coupon and go get your savings!

Grocery Coupons

Just clip and print our free, online grocery coupons to save on food and household products at your local supermarket.

Start saving right away at Have your Choice Checking info with you to create your password, then get started!

Fraud Protection

When you sign up for Choice Checking, you're taking control of more than just your finances. Our comprehensive identity and card protection services help protect your personal information. And should anything happen, we will get you through it.

Real-Time Identity Protection

The best defense is a good offense. We can help stop ID fraud in its tracks with around-the-clock monitoring of up to 25 items, including:

  • Debit cards
  • Credit cards
  • Other personal information you provide (such as your Social Security number)

If we detect anything unusual, we notify you immediately.

Identity Restoration

If you suspect your identity has been compromised, our Restoration Specialists will provide hands-on assistance to restore your identity while you get on with your life. We contact all affected vendors and/or agencies on your behalf, including credit card companies, credit reporting agencies, Security Administration, and many more.

Wallet Replacement

If you lose your wallet, we work with you to replace those crucial items, including your driver's license, credit cards, debit cards, and medical cards — the things you rely on every day.

To access Identity Protection, log on to to enroll. Your username is the last six digits of your Social Security Number plus the first five digits of your zip code, separated by a dash (123456-12345) for the primary account holder. The password is the date of birth for the primary account holder (MMDDYYYY). Note: for security, please change your password after you log in for the first time.

To access ID Restoration and Wallet Replacement services, simply call 866-647-6221 to be connected with one of our experts.