A man and woman smile outside during the autumn season.

Choice Checking provides benefits designed to help you bank smarter and help keep you and your family1 secure. Earn interest on $2,500 and above — no minimum balance required — and receive free paper statements. Plus, get access to:

  • IDProtect® – Help better protect yourself, your family and your joint account owners with our identity theft monitoring and resolution service1 that includes credit file monitoring2, 3-in-1 credit report, monitoring of over 1,000 public databases, identity theft expense reimbursement3, fully managed resolution services, and more.
  • Cellular telephone protection3 – Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid using eligible account)
  • Accidental Death and Dismemberment Insurance1 – Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70)
  • Additional benefits – Travel and leisure membership discounts**, $hopping RewardsTM** and much more!

Help better protect your family with Choice Checking for just $5.95 a month. Enjoy Choice Checking and all included benefits risk-free for 90 days, plus we will waive the first month’s fee. Earning GetBigReward$? Your monthly fee can be reimbursed through our membership rewards program.

Compare the benefits of our two checking options:

Basic Checking
(no monthly fee)
Choice Checking ($5.95/month)
Free e-Banking, e-Pay and e-Deposit Check mark Check mark

Free Visa® debit card
Check mark Check mark
Withdrawals from over 30,000 surcharge-free CO-OP ATMs Check mark Check mark
Free paper statements
Check mark
Free incoming wire transfers
  Check mark
Earn interest on balances $2,500 and up

Check mark
IDProtect®*  - Identity theft protection service.1 Includes daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports
Check mark
Cellular telephone protection3

Check mark
Travel and leisure discount membership**

Check mark
Debit Advantage™ buyer’s protection and extended warranty
(Item(s) must be purchased entirely with elgible account)

Check mark
$hopping RewardsTM**

Check mark
Health discount

This is NOT insurance.

Check mark

To learn more about Choice Checking, please visit your closest member center or call us at 877.243.2528. It's easy to choose Choice Checking - simply log in to e-Banking, go to the Services menu and select "Choose your checking account." Select Choice Checking, or Basic Checking and confirm. It's that easy. There are no changes to your account number, checks or debit cards. 

Choice Checking testimonials

Gregory | Livonia

After enrolling in Choice Checking, I immediately set-up credit monitoring and I’m glad I did. Shortly after, a change was made to my credit report that I did not authorize and it was flagged by the monitoring service. I am well on my way to fixing the issue and if it wasn’t for IDProtect, I would have missed the fraudulent activity. 


Danielle | Wyandotte

With the travel and leisure discounts from Choice Checking, I received $100 off of a $200 purchase at Dunham’s Sports. I used the app on my phone at checkout—it was easy!


Candice | Milford

Since Choice Checking comes with IDProtect, we were able to cancel our LifeLock® subscription, which will save us hundreds of dollars—each year! In addition to this, I’m also saving so much money through the coupons offered. I received 50% off at the Coach outlet during the holidays and was able to save at Bath and Body Works, Dick’s Sporting, and Children’s Place, too. This product is so amazing!


*Registration/Activation Required.
**Registration/Activation Required.  Available Online Only.

1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner.  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.

2 Credit file monitoring may take several days to begin following activation.

3 Special Insurance Program Notes: The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage.  Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.