Choice Checking

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Providing you complete flexibility.

Choice Checking allows you to determine how you want to manage your account and choose the features that work for you.

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Enjoy these convenient features & benefits:

Low Monthly
Service Fee of $51

No Minimum

No Direct Deposit

Unlimited Deposits and


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You can reduce or eliminate the $5 monthly service fee by taking these easy steps during the Monthly Qualification Cycle:1

  • Enroll in eStatements: Reduce the fee by $1 for being enrolled in eStatements
  • Direct Deposit/ACH: Reduce the fee by $1 for having at least one (1) posted and settled direct deposit or automatic payment (ACH)
  • Use your Debit Card: Reduce the fee by $0.20 for each posted and settled debit card purchase (excluding ATM transactions)

To establish a Choice Checking Account, you must be a member of the credit union.

Protect Yourself and Your Money

Overdraft Coverage 

Protect yourself from overdrafts and avoid the inconvenience of declined transactions with the Overdraft Coverage option(s) that suit your needs.

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Not available with OnTrak Checking.

vAlerts powered by Visa®

Closely monitor your Visa Debit and/or Credit Card to help identify potential fraud. Receive email or SMS text message notifications when certain transactions occur on your account.

Sign Up

Usage charges for text and data may apply.

Free 24/7 Services

Online & Mobile Banking

Free, secure access to your account anywhere, anytime.

Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy. Get started today and enjoy our user-friendly Online & Mobile Banking.

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Data and other wireless carrier charges may apply.


Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.

Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.

Bill Pay

Easily manage and pay your bills while saving time and money with free Bill Pay.

You can set up payees, schedule payments and view recent, pending and past payments at any time.


Day or night, conveniently transfer money, check balances, make loan payments and much more by calling Valleyline, our 24-hour automated phone line.

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Opening an account is easy.

Simply visit your local branch and a Member Service Specialist will assist you in opening your Choice Checking Account.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

Non-Profit Status?

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Our Choice Checking Account is also available to Non-Profit organizations. You must be a member of the credit union, provide Non-Profit status from the IRS and complete a Non-Profit Account Application. The Membership Fee is waived for Non-Profit Account Application.

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1This fee may be reduced by doing the following during the Monthly Qualification Cycle: $1.00 reduction in fee for being enrolled in eStatements; and $0.20 reduction in fee for each posted and settled debit card purchase; and $1.00 reduction in fee for having at least one (1) posted and settled  direct deposit or automatic payment (ACH). The total reduction may not exceed $5 per Monthly Qualification Cycle. Qualifying transactions must post to and settle an account during Monthly Qualification Cycle. Transactions may take one or more business days from the date the transaction was made to post to and settle an account. ATM transactions do not count toward qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle, subject to weekends and holidays. 
2Not available with OnTrak Checking.
3Usage charges for text and data may apply.