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 and free incoming wire transfers. Plus, in addition to all Basic Checking benefits, you get exclusive access to:

  • IDProtect® - Help better protect yourself, your family and your joint account owners with our identity theft monitoring and resolution servicethat 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 & 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!

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:
  • Unlimited free transactions at over 30,000 surcharge free ATMs nationwide
  • Verified by Visa online shopping protection
  • Chip card technology
  • Fraud and travel protection
  • Acceptance from merchants worldwide where you see the Visa logo
  • No annual fees or finances charges
  • Protect yourself with real-time credit and debit fraud alert text messages. To sign up, login to e-Banking and select ATM/Debit Card Settings on the Services tab.
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

*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.

2Credit 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.