Personal Checking

Comparison Tool

Which Account Is Right For You?

Secure Plus Checking Secure Plus Interest Checking Snap Checking Start Fresh Checking
Features The ultimate checking experience; convenient and accessible. Earn interest while protecting your identity. An affordable and convenient option. A fresh start to banking.
Benefits
  • IDProtect®
  • Cell Phone Protection
  • 2 Free non-ChoiceOne ATM uses per month
  • Debit Card
  • Free Online Banking, Bill Pay, Mobile Banking, Mobile Deposit, Direct Deposit
  • Free e-Statements
  • FDIC Insured

 

  • Tiered interest bearing account
  • IDProtect®
  • Cell Phone Protection
  • Debit Card
  • Free Online Banking, Bill Pay, Mobile Banking, Mobile Deposit, Direct Deposit
  • Free e-Statements
  • FDIC Insured
  • Debit Card
  • Free Online Banking, Bill Pay, Mobile Banking, Mobile Deposit, Direct Deposit
  • Free e-Statements
  • FDIC Insured
  • Debit Card
  • Free Online Banking, Bill Pay, Mobile Banking, Mobile Deposit, Direct Deposit
  • Free e-Statements
  • FDIC Insured
Balance to Open $50 $50 $50 $50
Monthly Maintenance Fees $6.95. A rebate of $4.00 is applied if 15 debit card transactions post prior to the last business day of the month. $9.95 fee waived with average monthly balance of more than $25,000 in savings and checking relationship. No monthly maintenance fee $6.95 monthly fee with Direct Deposit and e-Statements
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  • Online Banking
  • Mobile App
  • ID Protection
  • Debit Cards
  • Bill Pay
  • Mobile Deposit

Personal Checking

Secure Plus Checking

Keep your money safe and your identity secure. This account is free for 18 to 24 year-olds who are enrolled in college, and active military personnel. Seniors 65 years+ receive $10 off first order of checks.

  • IDProtect®
  • Cell Phone Coverage
  • 2 Free Foreign ATM withdrawals a month
  • $6.95 Monthly Maintenance Fee
    • (A rebate of $4.00 is applied if 15 debit card transactions post prior to the last business day of the month.)

Personal Checking

Secure Plus Interest Checking

A checking account shouldn’t limit your growth. Secure Plus Interest Checking protects your identity while growing your wealth.

  • IDProtect®
  • Cell Phone Coverage
  • Free e-Statements
  • $9.95 Maintenance Fee
    • (Fee waived with average monthly balance of more than $25,000 in savings and checking relationship.)

Personal Checking

Snap Checking

Make your checking account simple.

  • Free Online Bill Pay
  • No Minimum Balance
  • No Monthly Maintenance Fee
  • Free e-Statements

Personal Checking

Start Fresh Checking

An ideal account whether you’re new to checking or looking for a fresh start.

  • Free Online Banking
  • No Minimum Balance
  • $6.95 Monthly Fee
    • (With Direct Deposit and e-Statements)
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What You Will Need Close Warning

Applying is fast and easy. Here’s what you’ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver’s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.