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Personal Checking

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I’ll spend today with what matters most.

Community Choice Credit Union knows that, along with your family, what matters is getting the most for your money. That’s why our checking helps you save money, time and provides peace of mind.

Choice Checking, exclusive to Community Choice members, is a complete financial solution. Protect your identity, monitor your credit, 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

Description

Our premium checking option. Earn interest on $2,500 and above with no minimum balance.

The no-frills, no fees checking account

Features and benefits

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

See all Choice Checking benefits

Provides basic checking benefits

Monthly fee

Enjoy Choice Checking and all included benefits risk-free for 90 days, plus we will waive the first month’s fee. 

Only $5.95/month thereafter. GetBigReward$® has you covered. Earn up to $9 per month to offset the cost!

 

No monthly fee

Choice Checking

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

  • $5.95/month

  • IDProtect® with identity theft monitoring and resolution service

  • Cell phone protection with up to $300 in replacement or repair costs for three household phones ($50 deductible per claim)

  • Accidental death and dismemberment insurance up to $10,000

  • Discounts on shopping, travel, movies and more

Choice Checking benefit details

 

Basic Checking

Our basic checking offers:

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

  • No monthly charge with e-Statements

Open an account

Visa Debit Card

Instant access

Your Community Choice Visa debit card combines the best of Visa, an ATM card and checks by giving you access anytime and anywhere to your checking account:

  • No annual fees

  • Unlimited transactions at more than 30,000 surcharge-free ATMs nationwide

  • Online shopping protection verified by Visa

  • Access through digital wallets including Apple PayTM, Google PayTM and Samsung PayTM

  • Fraud and travel protection

  • Is accepted at merchants worldwide, wherever you see the Visa logo

Direct Deposit

Turn payday into YAY!-day with direct deposit. When setting up direct deposit through your employer, follow the format below:

Community Choice routing number

272079021

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:

100100_ _ _ _ _ _ _ _ _ _ 

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 

Examples:

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

Overdraft Privilege

In September 2018, Community Choice Credit Union will be making changes to our Overdraft Privilege service.

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. 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?

Currently, your overdraft limit is based solely on your credit score. In September 2018, we are changing our program to include both direct deposit and credit score criteria. We are also adjusting overdraft limits. Members who previously did not qualify for Overdraft Privilege may be eligible for this service if they have a qualifying direct deposit. Some members may have an increase or decrease in their overdraft limit.

How will I know my new Overdraft Privilege limit?

You will receive a notice if your Overdraft Privilege limit is decreasing. If you receive your statements by mail, you will be mailed a notice. If you receive your statements via e-mail, you will receive an e-Notice. 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

*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.

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