Checking

Get full-service checking and worldwide access to your accounts. Total Choice provides members with a choice of two accounts: Basic or Money Market Checking.  Senior Checking is available for members 60 years and older.

 

 

Direct Deposit

Enroll in direct deposit and have your paycheck automatically deposited

into your account.   Sign up today.

 

Overdraft protection

Enable overdraft protection for your checking account and funds will automatically be transferred from your designated savings account to cover any overdrafts.  Fees are $2.00 for transfer versus a $38.00 NSF return fee.

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Basic Checking features:

  • $50 opening deposit
  • Free 24-hour online banking (see Online Banking  for details)
  • Free bill pay
  • No transaction limits
  • No monthly minimum balance
  • No per-check writing fees
  • Direct Deposit or designate Payroll Deduction
  • Free MasterCard Debit/ATM card
  • Secure online check reordering
  • Overdraft Protection
  • Monthly service fee of only $3.00
  • Quarterly dividends paid using Average Daily Balance Method

 

Money Market Checking offers the earning potential of term share certificates with the flexibility of checking. Instead of locking up money for an extended period of time (or paying a penalty in order to access the funds early), Money Market Checking lets you earn dividends with the liquidity of a checking account.

  • Free 24-hour online banking (see Online Banking for details)
  • Free bill pay
  • $10,000 minimum balance to earn dividends
  • 6 withdrawals or 6 check writing limit per month
  • Direct Deposit or designate Payroll Deduction
  • Secure online check reordering
  • Overdraft Protection
  • Monthly dividends paid using Average Daily Balance Method

 

Senior Checking* is automatic for members 60 years and older.    There are no monthly service fees associated with checking accounts for members over the ages of 60.

  • $50 opening deposit
  • Free 24-hour online banking (see Online Banking  for details)
  • Free bill pay
  • No transaction limits
  • No monthly minimum balance
  • No per-check writing fees
  • Direct Deposit or designate Payroll Deduction
  • Free MasterCard Debit/ATM card
  • Secure online check reordering*
  • Overdraft Protection
  • No monthly service fee
  • Quarterly dividends paid using Average Daily Balance Method

*Seniors also may order one box of checks free each year.