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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

  • 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.

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.

TruStage 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®.

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

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.


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.

Get paid early with Express Pay

Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

Stay local with 20+ member centers and 30K+ fee-free ATMs