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.

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!


Frequently Asked Questions:

Can I opt out of Choice Checking once I’ve been enrolled?

Yes, if you would prefer a free Basic Checking account without the added features of Choice Checking, you can change at any time. Contact a Personal Advisor at 877.243.2528 to discuss which account best meets your needs.

How much interest will I earn with Choice Checking?

Please see our current rates.

Did my account number change when I upgraded to Choice Checking?

No, for your convenience, your account number, debit card and all automatic payments and withdrawals are unaffected by this change.

*Registration/activation required.
IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). 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.
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.

This is NOT insurance.
Insurance Products are not insured by NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any credit union affiliate.