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Personal Checking

Community Choice Credit Union logo

Express Pay LogoSpend today with what matters most.

Community Choice Credit Union knows that getting the most out of your money matters. That’s why our checking accounts help you save money and time, and they can even provide peace of mind.

Learn how you can get paid earlier than expected with Express Pay.

Choice Checking, exclusive to Community Choice members, is a complete financial solution. Help protect your identity and finances, save money and earn a little extra interest. Just need the basics? We have that, too. Compare the benefits of our two checking accounts:

  Choice CheckingBasic Checking


Our premium checking option is designed to save you money and protect you! Earn interest on $2,500 and greater with no minimum balance.

The no-frills, no fees checking account

Features and benefits

 Provides additional benefits designed to help you bank smarter and helps keep you and your family1 secure, including IDProtect®*.

Provides basic checking benefits

Monthly fee

Enroll in Choice Checking to start enjoying all included benefits, and we will waive the first month’s fee.

Only $5.95/month thereafter.


No monthly fee

Choice Checking

Choice Checking Checks All The Boxes


Download the Club Checking mobile app:

Download on the App Store  Get it on Google Play


In addition to everything you get with Basic Checking, now you can bank smarter, earn interest on balances of $2,500 and greater, and help keep your family1 secure.

  • IDProtect®* Identity Theft Monitoring & Resolution Service

  • Cell Phone Protection2: Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged.

  • Up to $10,000 Accidental Death & Dismemberment Insurance2

  • Debit Advantage® with Buyer's Protection2 and Extended Warranty2
  • Discounts on shopping, travel, movies and more

  • Only $5.95/month

Open an account


Access Choice Checking benefits online or from anywhere!

We've made access to your Choice Checking benefits even better with a new website and mobile app. Once you are registered, you can access your benefits at or with the Club Checking mobile app.

Registration instructions


Download the Club Checking mobile app:

Download on the App Store  Get it on Google Play

Basic Checking

Our basic checking offers:

  • Free e-Banking, e-Pay and e-Deposit

  • No monthly charge with e-Statements

Open an account

Debit Mastercard

The easier way to pay

For everyday purchases, Community Choice Debit Mastercard® is a safer, smarter alternative to carrying cash. 

Use it with confidence to:

  • Speed through checkout online and in stores

  • Safeguard against loss or theft with Mastercard ID Theft Protection™

  • Tap to pay in stores where you see the contactless symbol

  • Access two of the largest ATM networks

 Explore Mastercard Benefits

Increase your membership rewards

Actively using your Debit Mastercard is the perfect way to reward yourself! Your debit and credit Mastercard transactions can help you become a GetBigReward$ member!

Explore Paying with your Mastercard

Direct Deposit

Express Pay LogoTurn payday into YAY!-day with direct deposit. Thanks to Express Pay, members can receive direct deposit up to two business days early!* If your employer or the payment provider sends the transaction early, we will post it to your account up to two business days early.

What Direct Deposit Payments Qualify for Express Pay?

  • Payroll Deposits

  • Social Security Payments

  • Child Support Payments

  • Tax Refunds

Direct Deposit Setup

When setting up direct deposit through your employer, follow the format below:

Community Choice routing number


Account numbers

Checking account:

103_ _ _ _ _ _ _ _ _ _

Your checking account has a total of 13 digits—add “103” to the beginning of your Community Choice account number. If your account number is not 10 digits, place leading zeros after the 103).

Savings account:

100000_ _ _ _ _ _ _ _ _ _ 

Your savings account has a total of 13 digits—add “100” to the beginning of your Community Choice account number. If your account number is not 10 digits, place leading zeros after the 1.


If your account number is 1234, your checking account is 1030000001234 and your savings account is 1000000001234.


*Community Choice Credit Union will post the direct deposit to the member's account as
soon as the transaction is received from the sender. If the employer, payment provider, or
government entity experiences a delay when sending transactions to Community Choice, then there may be an additional waiting period before the funds are posted to the member's

Overdraft Privilege

What is Overdraft Privilege?

Overdraft Privilege helps cover items when funds are not readily available in your checking account for a fee of $30 per item. For your convenience, there is no fee if either the paid item is less than $10 or the resulting balance is less than $10 overdrawn. This service offers you peace of mind by eliminating the frustration of being declined at the time of purchase or having payments return unpaid. This service is offered at the discretion of Community Choice Credit Union and can be modified or suspended at any time.

How do I qualify for Overdraft Privilege?

Your overdraft limit is based on both direct deposit and credit score criteria. 

If you would like to know your current limit, please contact us at 877.243.2528 or send us a secure message in e-Banking or Mobile Banking.

Overdraft Privilege is a safety net; however, we offer many services to help you manage your accounts and avoid overdrawing, including overdraft protection to a savings account or line of credit. If you would like more tips for managing your account, please contact us at 877.243.2528 or visit your local member center. We are here to help.

Ordering Checks

It is easy to order and customize your Community Choice checks. Before you start, please have the following information available:

  • Order ID number (located in the top right corner of each check)

  • Your check number (located under the order ID number)

  • Your 13-digit account number (1 + share ID + zeros + member number = 13 digits)

Order checks

1 Benefits are available to personal checking Primary Account Holder, Joint Account Holder(s), and their Eligible Family Member(s), subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Family Member(s) include: 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. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the Primary Account Holder. Fiduciary is not covered. Benefits are not available for Business accounts.

2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document.

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.

Your goals are our goals

When it comes to your savings goals, we have a variety of solutions to get you there.

Personal Savings
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