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Choice Checking

Did we mention it’s FREE?

You choose things in life that suit your specific needs and fit your lifestyle. Your home, your vehicle, your clothes. Your checking account should be no different. Our Choice Checking account is a free account that is loaded with standard features and allows you to customize it with three additional choices.  

It features these standard benefits:

  • No monthly minimum balance

  • Full digital access with Online Banking, Mobile Banking With Mobile Deposit, Bill Pay, CardSwap, and much more

  • Ability to pair your Choice Checking account with a Centsible Savings account and earn 7% APY on the first $1,0001

  • VISA® debit card with enhanced chip technology

  • Telephone account access

  • Free notary services

  • No withdrawal fees from Avadian or CO-OP network ATMs

  • Courtesy Pay along with optional overdraft loan protection for qualified members

  • Get paid up to two days early with Early Deposit

And then choose any three of these:

  • ATM fee refunds, up to $10 per month2

  • Discount rate on new collateral loans, like boats or cars (excluding real estate loans)

  • Special bonus rates on Certificates of Deposit (CDs)3

  • 25% discount on Safe Deposit Box rentals

  • No issuance fee on Cashier's Checks (up to three per month)

  • Free incoming and outgoing wire transfers (up to two per month; we do not offer foreign wire transfers)

Customize your account to suit your needs — and if your needs change, customize it again.4 So many of life’s decisions are complicated. Avadian can't help you with all of them, but we can provide a free checking account that fits your life.

Want to earn interest with your Choice Checking account? Check out Choice Checking With Interest.

1APY=Annual Percentage Yield. Must have an Avadian checking account and debit card to open a Centsible Savings Account. Choice Checking Accounts are subject to membership and eligibility. Centsible Savings' APY is accurate as of Oct. 1, 2023. 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.

2Transactions include inquiries, transfers and withdrawals from savings or checking. Refer to Choice Checking designation form for ATM fee refund rules.

3Excludes CD Specials. Cannot be combined with any other offer.

4Choices may be changed any time with a $10.00 fee per choice change except for loan discounts or CD bonuses which may only be changed at maturity.

There is a minimum opening deposit requirement. See our Truth in Savings disclosure for terms and fees associated with checking accounts. All loans subject to creditworthiness and approval. Terms and conditions subject to change.


The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

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