Our Choice Checking account is a free checking account (with no minimum balance requirements either) that is loaded with the modern conveniences you’re looking for.
It features:
- No monthly fee and no minimum balance requirement
- Online and mobile banking to make managing your finances a breeze
- Sending money to friends and family safely and securely with Zelle®
- Access to your paycheck up to two days early with Early Deposit
- Stay on top of your credit with Credit Score & Report
- Visa® debit card with tap-and-go payment technology
- No withdrawal fees from Avadian or CO-OP network ATMs
- Courtesy Pay along with optional Overdraft Protection for qualified members
A Choice Checking Account can also help you grow your savings:
- Pair it with a Centsible Savings Account and earn a quarterly dividend of 7.00% APY on the first $1,000 and 1.00% APY on your balance over $1,0001.
- Add a High-Yield Savings Account and earn 3.75% APY on balances up to $25,000 and 0.25% APY on remaining balances when you enroll in e-Statements and have monthly direct deposits of at least $5002 to your Choice Checking Account.
And it includes ALL of these:
- ATM fee refunds, up to $10 per month
- Discounted rates on new collateral loans, like boats or cars (excluding real estate loans)
- Bonus rates on CDs3
- 25% discount on Safe Deposit Box rentals
- Three free Cashier's Checks per month
- Two free domestic wire transfers per month
Switching your direct deposit is now hassle-free with ClickSWITCH.
Looking to earn interest with your checking account? Check out ChoicePlus+.
Choice Checking Accounts are subject to membership and eligibility.
APY=Annual Percentage Yield. Rates accurate as of Jan. 2, 2025.
1Must have an Avadian checking account and debit card to open a Centsible Savings Account. Centsible Savings' APY is accurate as of Dec. 31, 2024. Minimum average daily balance to earn stated APY is $.01 at the end of each quarter. Dividends will be based on your average daily balance at the end of each quarter. Rate may change after the account is opened. Fees may reduce earnings. Cannot make deposits or transfers into a Centsible Savings Account.
2Limit one High-Yield Savings account per Primary membership. If all requirements are not met, then 0.25% APY shall apply to all balance ranges. Direct deposits are electronic deposits of items such as payroll, Social Security, retirement, or 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.
3Excludes CD Specials. Cannot be combined with any other offer.
Terms and conditions subject to change.