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Choice Checking

Did we mention it’s FREE?

Your financial goals are uniquely yours. It only makes sense to have your checking account designed around them. Our free Choice Checking account gives you a lot and then lets you choose even more.

Get these standard benefits:

  • No monthly minimum balance

  • Full digital access with Online Banking, Mobile Banking With Mobile Deposit, Online Bill Payment, and e-Statements

  • Telephone account access

  • Free notary services

  • Ability to pair your Choice Checking account with a Centsible Savings account and earn up to 3.00% APY1

  • VISA® debit card with enhanced chip technology

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

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

  • Eligible for Avadian's Identify Theft Protection Plan

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. And if you need to reorder checks, simply log into online banking and select check services. 

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

1APY=Annual Percentage Yield. Centsible Savings' APY is accurate as of Dec. 31, 2020, the last dividend declaration date. Minimum balance to earn APY is $.01. Dividends will be based on your average daily balance at the end of each quarter. Dividends will be deposited into your account at the end of each quarter. Rate may change after the account is opened. Fees may reduce earnings.

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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