Choice Checking

Isn't it time you had a checking account that revolves around you? With Choice Checking you get discount savings programs, ID fraud protection and restoration, and there is no minimum balance required.

The best part? You have the ability to make the monthly fee magically disappear by doing simple everyday things you're probably already doing anyway! Enroll in e-Statements and use your debit card to make that fee nothing but a distant memory.

Summary
  • Qualifications to reduce the low monthly service fee:*
    • Begin each statement cycle with $7.95 monthly fee
    • Be enrolled in and agree to receive e-Statements to reduce fee by $1
    • Further reduce by 20¢ per debit card purchase that posts and settles to your account during the monthly qualification cycle until fee is eliminated
  • ID fraud protection
  • Identity restoration services
  • Lost wallet service
  • National savings program
  • In-store savings
  • Grocery coupons
  • $25 minimum deposit to open
Merchant Rewards

Boost your buying power with our online savings program and receive great discounts and rebates at local and national retailers. You'll have access to savings on everything from daily necessities to big screen TVs. Your membership in this exclusive discount program comes at no extra cost — it's included with your Choice Checking account. To get started, go to the Choice Checking Rewards site and create a username and password. Remember to have your checking account information with you when you sign up. 

National Savings 

Enjoy rebates of up to 30% at some of the biggest brand name online retailers. Simply make your purchase and the rebate will be automatically deposited back into your checking account.

In-Store Savings

Whether you're looking for a bite to eat, heading to the mall, or planning a big weekend, you'll always have ways to save. Simply enter your ZIP code to find discounts and specials at nearby retailers. It's that easy!

Grocery Coupons

Just clip and print our free, online grocery coupons to save on food and household products at your local supermarket — everyday savings for your everyday living.

Start saving right away at Choice Checking Rewards. Have your Choice Checking account info with you to create your password, then get started!

Fraud Protection

When you open a Choice Checking account, it's like hiring a personal, around-the-clock fraud protection squad. Our comprehensive identity and card protection services help protect your personal information. In the instance that anything should happen, your identity and crucial items will be restored — hassle-free.

Real-Time Identity Protection 

With around-the-clock monitoring, we help ensure that your identity has not been compromised. This protection begins immediately after you enroll; we monitor up to six debit and credit cards and all personal information that you provide. If we detect anything unusual, we notify you immediately.

Identity Restoration

If you suspect your identity has been compromised, our Restoration Specialists are just a toll-free phone call away. A dedicated professional will provide hands-on assistance to restore your identity while you get on with your life. We contact all affected vendors and/or agencies on your behalf, including credit card companies, financial institutions, all three credit reporting agencies, local and federal courts, Social Security Administration, and the Department of Motor Vehicles.

Wallet Replacement

You will also be automatically enrolled in a Lost Wallet Service. As the name implies, if you lose your wallet, we work with you to replace those crucial items, including your driver's license and/or personal ID, credit cards, debit cards, and medical cards — the things you rely on every day.

How to sign up for Fraud Protection

Soon after you enroll in Choice Checking, you will receive an email with instructions to enroll at the MyIDGuard site and a unique ID number. Simply follow the instructions on the email and use the code to gain access. During enrollment you will set up your own username and password. You can register up to 25 debit and/or credit cards for protection. If you suspect your identity has been compromised, simply call 866-647-6221 toll-free to be connected with a fraud specialist. This dedicated expert provides hands-on assistance to restore your identity on your behalf.

Choice Checking

It just takes a few quick clicks to start!

*$25 minimum deposit is required to open the account and no minimum balance is required to qualify for the account's rewards. Enrollment in online banking and receipt of electronic statements are conditions of this account. Fees and rewards may change after account is opened. This account is not to be used for commercial purposes and there is a limit of 1 account per social security number. This account's monthly service fee will be charged to the account on the last day of the statement cycle. When you close this account, you will not be charged the monthly service fee for that statement cycle. See accompanying Schedule of Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account's qualifications. Choice Checking is a trademark of BancVue, Ltd., registered in the U.S.A. Providers of and functionality within the account's identity fraud protection and restoration services may change after the account is opened. Federally insured by NCUA.

Overdraft Protection: Ocean Communities offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: Overdraft Fee ($30) for each item we pay; Nonsufficient Funds Fee ($30) for each item we do not pay; Account Overdrawn Fee ($5/day) is charged commencing on the second day an account is overdrawn; and Overdraft Transfer Fee ($5), if you are enrolled, for each item we pay through the transfer of available funds. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Ocean Communities reserves the right to require the account holder to pay an overdraft immediately or on demand. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or if you have too many overdrafts.