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® – Protect yourself and your family1 from fraud with instant access to 3-in-1 credit reports*, total identity monitoring and daily credit file monitoring*, plus identity theft expense reimbursement coverage2 with resolution services.
  • Cellular telephone protection2 – Protect your phone against damage and theft.
  • 24-hour accidental death and dismemberment insurance2 – Protection up to $10,000.
  • Additional benefits – Travel and leisure 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
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Withdrawals from over 30,000 surcharge-free CO-OP ATMs Check mark Check mark
Free paper statements
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Earn interest on balances $2,500 and up

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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
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Cellular telephone protection2

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Travel and leisure discounts*

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Debit Advantage™ buyer’s protection and extended warranty2

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$hopping RewardsTM*

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Health discount

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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!