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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. Secure Interest
  3. Secure
  4. Cash Back
  5. embark
Secure Interest CheckingSecure CheckingCash Back Checkingembark Checking
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FeaturesEarn interest while protecting your identity. Protect your identity with all of the conveniences of a checking account. Earn cash back for each debit card transaction. Embark on your journey into college or the work force.
Benefits
  • Competitive interest bearing account
  • IDProtect®
  • Debit Card
  • Online Banking, Bill Pay, Direct Deposit, Mobile Banking, Mobile Deposit App
  • Free e-Statement
  • IDProtect®
  • Debit Card
  • Online Banking, Bill Pay, Direct Deposit, Mobile Banking, Mobile Deposit App
  • Free e-Statement
  • Earn $0.05 back for every debit card/POS transaction
  • Debit Card
  • Online Banking, Bill Pay, Direct Deposit, Mobile Banking, Mobile Deposit App
  • Free e-Statement
  • Up to four foreign ATM fees (refunded upon request)
  • Debit Card
  • Online Banking, Bill Pay, Direct Deposit, Mobile Banking, Mobile Deposit App
  • Free e-Statement
Balance to Open$50 $50 $50 $50
Monthly Fees$4.95
Fee can be avoided with monthly balance over $5,000 or checking and savings relationship over $15,000
$4.95 monthly maintenance feeNo monthly maintenance fee for active accounts$10 maintenance fee if eligibility is not met
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Secure Interest Checking

Secure Interest Checking offers you tiered interest while keeping your personal information secure and protecting your identity.

You receive:

  • Tiered Interest
  • IDProtect®
    • Credit File Monitoring1
    • Total Identity Monitoring1
    • 3-in-1 Credit Report1
    • Credit Score1
    • Up to $10,000 identity fraud expense reimbursement coverage2
    • Access to a dedicated fraud specialist
    • Identity theft recovery case plan
    • Debit and credit card registration1
  • Debit Card
  • Online Banking, Bill Pay, Direct Deposit, Mobile Banking, & Mobile Deposit App
  • Free e-Statement
  • No minimum balance requirement
  • $4.95 monthly maintenance fee – fee can be avoided with monthly balance over $5,000 or checking & savings relationship over $15,000

Open

For more information on IDProtect® or to begin registration, click here.

 

1Registration/activation required.

2Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Your certificate of coverage is enclosed.

Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Secure Checking

Secure Checking keeps personal information secure and protects from identity fraud while offering you all the conveniences of a checking account.

You receive:

  • IDProtect®
    • Credit File Monitoring1
    • Total Identity Monitoring1
    • 3-in-1 Credit Report1
    • Credit Score1
    • Up to $10,000 identity fraud expense reimbursement coverage2
    • Access to a dedicated fraud specialist
    • Identity theft recovery case plan
    • Debit and credit card registration1
  • Debit Card
  • Online Banking, Bill Pay, Direct Deposit, Mobile Banking & Mobile Deposit App
  • Free e-Statement
  • No minimum balance requirement
  • $4.95 monthly maintenance fee

Open

For more information on IDProtect® or to begin registration, click here.

 

1Registration/activation required.

2Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Your certificate of coverage is enclosed.

Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

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

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.