Your checking account is a vital part of managing your financial life. It’s literally how you pay the bills. We know you can find the “usual” checking account just about anywhere. That’s why we’re constantly striving to make sure our accounts offer far more than just the “usual.”
All Avadian checking accounts include the following:
- Visa® debit card with Mobile Wallet compatability and tap-and-go technology
- Access to your paycheck up to two days early with Early Deposit
- Conveniences of online and mobile banking like
- the ability to send money with Zelle® (excluding JumpStart Checking),
- e-Statements,
- managing your debit and credit cards,
- viewing transactions and balances,
- setting up alert notifications,
- viewing your full financial picture with Money Manager, and
- so much more
- The ability to pair your account with a Centsible Savings account to make saving money a breeze
- Free incoming domestic wire transfers
- No withdrawal fees from Avadian or CO-OP network ATMs
See Truth in Savings disclosure for terms and fees associated with each checking account.
Compare the Differences
| |
CHOICEPLUS+ |
CHOICE |
STUDENT |
JUMPSTART |
| Monthly Fee |
$0 |
$0 |
$0 |
$9.95 |
| Minimum balance to avoid fee |
None |
None |
None |
None |
| Minimum opening deposit |
$25 |
$25 |
$25 |
$25 |
| Interest paid |
Qualifying rate1
$0.01 to $10,000:
3.00% APY
$10,000.01 or greater: 0.05% APY
Non-qualifying rate: 0.05% APY on the
entire balance |
None |
None |
None |
| ATM refunds (up to $10 per month) |
✓ |
✓ |
✓ |
|
| Discounted rates on new and collateral loans (excluding real estate loans) |
✓ |
✓ |
|
|
| Bonus rates on standard CDs2 |
✓ |
✓ |
|
|
| 25% discount on Safe Deposit Box rentals |
✓ |
✓ |
|
|
| One free box of standard checks per year (excludes shipping and handling) |
✓ |
|
|
|
| One overdraft forgiveness per year |
|
|
✓ |
|
| Courtesy Pay Available |
✓ |
✓ |
|
✓ |
APY=Annual Percentage Yield
All checking accounts subject to membership and eligibility. APY accurate as of Aug. 1, 2026.
1To earn Qualifying Rate, must enroll in e-Statements, maintain aggregate monthly direct deposits of at least $2,000, and make at least 15 debit or credit card transactions per month (excluding ATM withdrawals). Direct deposits are electronic deposits of items such as payroll, Social Security, retirement, or other government payments. Person-to-person transfers, account-to-account transfers, mobile deposits, or deposits made in-branch or at an ATM or ATM Plus+ do not qualify as direct deposit. Qualifying debit or credit card transactions include purchases made using tap-and-go, PIN, signature, Apple Pay, Google Pay, Samsung Pay, and online. Non-qualifying debit card transactions include transfers, ATM inquiries, ATM withdrawals, ATM deposits, denied ATM transactions, and Automated Clearing House (ACH) transactions.
2Excludes CD Specials. Cannot be combined with other offers or promotions.
Rates shown are subject to change.