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Personal Checking Accounts

Checking accounts are a matter of lifestyle, goals and personality. As your local community bank, let us help you select the right choice for your checking account.

Make the switch to ChoiceOne today! If you are interested in learning about our products or services, please contact your nearest ChoiceOne Branch location or our Customer Service Center at (616) 887-7366, toll-free at (888) 775-6687.

  1. Options
  2. Choice Cash Back
  3. Super Choice
  4. Choice Interest
  5. embark
Choice Cash Back CheckingSuper Choice CheckingChoice Interest Checkingembark Checking
FeaturesEarn cash back for each debit card transaction. High interest combined with the most value. Earn interest on all balances in your account. Embark on your journey into college or the work force.
Benefits
  • Earn $0.05 back for every debit card/POS transaction
  • Free Debit Card (upon approval)
  • Free Online Banking, Mobile Banking, and Bill Pay
  • Free e-Statement
  • Competitive interest bearing account
  • ATM surcharges refunded per qualification cycle
  • Free debit card (upon approval)
  • Free Online Banking and Bill Pay
  • Free e-Statement
  • Competitive interest bearing account
  • Free debit card (upon approval)
  • Unlimited check writing
  • Free Online Banking and Bill Pay
  • Free e-Statement
  • Up to four foreign ATM fees (refunded upon request)
  • Free Debit Card (upon approval)
  • Free Online Banking, Mobile Banking, and Bill Pay
  • Free e-Statement
Balance to Open$50 $50 $50 $50
Monthly FeesNo monthly fee$5 fee if 15 Point-of-Sale debit card transaction are not metNo monthly feeNo monthly fee
DetailsDetailsDetailsDetails

Choice Cash Back Checking

Earn cash back with our free Choice Cash Back Checking:

  • Earn $0.05 back for every debit card/POS transaction*
  • No minimum balance
  • No monthly fee
  • Free debit card (upon approval)
  • Free online banking, mobile banking & bill pay
  • Free e-Statement
  • Minimum balance to open is $50

*A point of sale (POS) credit of $0.05 will be calculated and applied to your account for each POS/debit card transaction occurring on your prior month’s bank statement

Super Choice Checking

Super Choice Checking earns the highest interest combined with the most value. When you sign up for e-Statement, have one direct deposit and 15 or more point-of-sale debit card transactions, per qualification cycle*, you'll receive the following:

  • Special Rate of 0.50% APY* on the first $15,000 of deposits in your account.
  • Competitive rate of 0.03% APY* on balances over $15,000
  • ATM surcharges refunded per qualification cycle*

Even if you don't meet the qualifications you'll still receive:

  • Rate of 0.01% APY* on all balances
  • ID ProtectALL
    • $2,500 personal Identity Protection
    • Identity Recovery & Restoration Services
    • Payment Card Protection
    • 6 months of free Identity Guard® credit monitoring services
  • Member Headquarters Benefits
    • $5,000 Travel Accidental Death Insurance
    • Travel, Dining and Entertainment Discounts
    • Prescription, Vision, and Hearing Discounts
    • Online Access to Benefits
  • $5 off original check order or 50 complimentary checks
  • Free debit card (upon approval)
  • Free online banking & bill pay

GOOD NEWS! – If you have 20 Point-Of-Sale debit card transactions per qualification cycle, the Super Choice Checking monthly fee is waived. Otherwise, it’s only $5 per month.

* APY is Annual Percentage Yield. Rates may change after opening. Rates are effective as of December 2013. Minimum balance to open is $50. Fees may reduce earnings. Limit one account per household.  Qualification Cycle means a period beginning one business day prior to first day of the current statement cycle through one business day prior to the close of the current statement cycle.

Choice Interest Checking

Earn interest on all balances in your account:

  • Maintain a $1,000 minimum balance in checking or $10,000 in other account balances and you'll avoid the $8 monthly fee
  • Free debit card (upon approval)
  • Minimum balance to open is $50
  • Unlimited check writing
  • Free online banking & bill pay
  • Free e-statement

embark Checking

Life is all about embarking on that first challenge like college or the work force, and we are here for you with the right account... and a little financial education, too!

  • Free for 18 to 24 year-olds, enrolled college students, and military personnel
  • No minimum balance
  • Up to four Foreign ATM fees waived
    • All ChoiceOne Bank ATM fees are waived
    • Refund upon request
  • Free debit card (upon approval)
  • Free Online Banking, Bill Pay, and Mobile Banking
  • Free E-statement
  • Minimum Balance to open is $50

*After age 24, students and military personnel must inform us of their continuation of enrollment. If no notice is received, a $10 service charge will be applied monthly.

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