Checking

Get full-service checking and worldwide access to your accounts. Total Choice provides members with a variety of checking options to choose from including:  Basic, Money Market, Senior (members 60 years or older), and Good Start Checking (members 16-25 years of age).

Direct Deposit

Enroll in direct deposit and have your paycheck automatically deposited into your account.   Sign up today.

Overdraft Protection

Members may opt-in for overdraft protection for one-time debit card transactions.  Save yourself from embarrassment and inconvenience for a service charge of $38.

Opt in now (PDF – new window/tab).

Overdraft Transfer

Sign-up for overdraft transfer and funds will automatically be transferred from your designated savings account to cover any overdrafts.  Fees are $2.00 per transfer.

Get Adobe Acrobat Reader DC

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 Transfer from your own accounts for a service charge of $2
  • Overdraft Protection (member must opt-in) for your one-time debit card transactions is available for a service charge of $38
  • 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 or monthly minimum balance
  • No per-check writing fees
  • Direct Deposit or designate Payroll Deduction
  • Free MasterCard Debit/ATM card
  • One box of free checks each year
  • Secure online check reordering
  • Overdraft Transfer from your own accounts for a service charge of $2
  • Overdraft Protection (member must opt-in) for your one-time debit card transactions is available for a service charge of $38
  • No monthly service fee
  • Quarterly dividends paid using Average Daily Balance Method

Good Start Checking is offered for young adults ages 16-25 establishing their first checking account.  Features include:

  • $25 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 Transfer from your own accounts for a service charge of $2
  • Overdraft Protection (member must opt-in) for your one-time debit card transactions is available for a service charge of $38
  • Overdraft Protection
  • No monthly service fee
  • Quarterly dividends paid using Average Daily Balance Method