Choice Checking puts you in charge. This special checking account comes with a membership to an exclusive online merchant rewards program. Earn cash back rewards from national online merchants. Customize your preferences, so you find rewards you actually want. Deals are easy to search for – and even easier to redeem.

You'll also get comprehensive fraud and identity protection, so your financial information remains secure as you shop online.

There's no minimum balance to keep with this account, and it's simple to chip away at your monthly service charge. All you have to do are a few things that make banking easier anyway. Start shopping today!


Checking account with online merchant rewards

Earn cash back rewards from over 3,200 national online merchants

-Choose cash or redeemable gift cards

  • Get comprehensive identity fraud protection and restoration services
  • Valuable merchant discount program
  • Comprehensive fraud protection and restoration services
  • No minimum balance to maintain account
  • To reduce or eliminate the low monthly service charge:
  • Begin each statement cycle with a $7.27 service charge
  • Receive eStatements to reduce fee by $1.00
  • Further reduce by 20¢ per debit card purchase over $10, until fee is eliminated
  • Maintain minimum $2,500 balance throughout statement cycle to reduce fee by $7.27
  • Online banking with bill pay
  • EStatements
  • Visa® debit card
  • Unlimited check writing
  • $200 minimum deposit to open

*Minimum to open account is $200. The monthly fee for this account is $7.27. This fee may be reduced by doing the following during the Monthly Qualification Cycle: $1.00 reduction in fee for enrolling in and receiving electronic statements and $0.20 reduction in fee for each posted and cleared debit card purchase over $10. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.

Merchant Rewards

When you open a Choice Checking account, you become an automatic member of an exclusive online merchant rewards program. We've made it really simple to find cash back deals you can get excited about-- all by shopping online.

Here's how it works:

• Sign up at Choice Checking Rewards

• Personalize your deal dashboard based on your preferences

• Search hundreds of deals and earn cash back rewards!

• Download the deal button to your browser for even easier searching

  • Merchants will be highlighted on Search Results Pages – so you never miss a deal!

• Redeem rewards via the browser button or the website

• Use your cash reward or gift card to save money!

Sign up today and start shopping!

Fraud Protection

By opening a Choice Checking account, you automatically receive around-the-clock fraud protection. Our comprehensive identity and card protection services help protect your personal information. In the instance that anything should happen, your identity and crucial items will be restored. So you can rest easy, knowing that you're always protected.

Real-Time Identity Protection

We monitor 24/7 to ensure that your identity has not been compromised. Up to 25 items can be monitored from the moment you enroll — including debit cards, credit cards, and other personal information you provide (such as SSN). In the instance something unusual is detected, you will receive immediate notification.

To access Identity Protection, simply log on to to enroll. Your username is the last six digits of your Social Security Number plus the first five digits of your zip code, separated by a dash (123456-12345) for the primary account holder. The password is the date of birth for the primary account holder (MMDDYYYY).

Note: for security, please change your password after you log in for the first time.

Identity Restoration

If ever you suspect your identity has been compromised, a dedicated professional will provide hands-on assistance to restore your identity. While you get on with your life, we'll contact all affected vendors and/or agencies on your behalf.

To access restoration services, simply call 866-647-6221 to be connected with one of our restoration experts.

Wallet Replacement

If you happen to lose your wallet, don't worry, all is not lost. We work with you to replace crucial items, including your driver's license and/or personal ID, credit cards, debit cards, and medical cards. We make sure that these things you rely on are restored quickly and easily.

To access wallet replacement services, simply call 866-647-6221 to be connected with one of our wallet replacement experts.