Checking accounts serving local Michigan communities

Community Choice Credit Union isn't like for-profit banks. We live a Give Big™ philosophy and regularly engage in volunteerism while providing excellent service and a banking experience unlike any other. If you have questions or need assistance with opening your checking account, please call us today at 877.243.2528 or visit one of our conveniently located member centers.

  Basic Checking Choice Checking
Our standard checking account
Our premium checking option
Features and benefits Provides basic checking benefits
Earn interest on $2,500 and above with no minimum balance.

Provides additional benefits designed to help you bank smarter and help keep you and your familysecure, including IDProtect®.

Monthly fee No monthly fee
Enjoy Choice Checking and all included benefits risk-free for 90 days, plus we will waive the first month’s fee.

Only $5.95/month thereafter.


Compare checking benefits


Basic Checking 

In addition to the service Community Choice is known for, Basic Checking comes with: 

Choice Checking

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

  • IDProtect® – Protect yourself and your family1 from fraud with access to 3-in-1 credit report*, total identity 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!

If you want even more from your checking account, learn about how you can GetBigReward$ through our rewards program.

Interest checking rates


Visa debit cards

With a Community Choice Visa ® debit card, you'll enjoy many benefits including:
People enjoying savings through Visa rewards and discounts

Order checks

Community Choice partners with Harland Clarke to provide you with an easy ordering process and completely customizable checks. To order checks, you'll need your order identification number, located in the top right corner of each check and the check number, located under the order identification number.

When ordering checks, starting direct deposit or automatic payments, use this easy formula to determine your proper account number format:

  • 1 + share id + zeros + member number = 13 digit account number (ex. 1030000123456)
  • No spaces or dashes are needed
  • The number of zeros is the number needed to make the account number 13 digits long. For example, if you have a 7 digit member number, you will enter 3 zeros.

Checking tools

Routing number 272079021

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.
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.