Summary

Enjoy exclusive merchant rewards at your favorite stores, shops, and retailers — plus, extensive fraud protection — all for a low $7 monthly service fee. But that's not all. Chop down your monthly service fee like a lumberjack slicing through Lincoln Logs — wielding the easy-to-use edge of your check card.

Choice Checking lets you knock off 20¢ per swipe each purchase. Plus, reduce your fee further with eStatements, online banking access and direct deposit, until there's no monthly service fee left to stand.

Essentials:

  • Valuable merchant rewards program
  • Comprehensive fraud protection and restoration services
  • Reduced monthly service fee with the following qualifications each month:*
  • Begin each statement cycle with $7 monthly service fee
  • Receive FREE eStatements to reduce fee by $3
  • Reduce fee by $1 with direct deposit
  • Reduce fee by 20¢ per check card purchase
  • Eliminate monthly service fee entirely, no reduction limit!
  • No minimum balance requirement
  • Free online banking
  • Free eStatements
  • Free Visa® check card
  • No minimum deposit to open

*No minimum balance to open account. The monthly fee for this account is $7. This fee may be reduced by doing the following during the Monthly Qualification Cycle: $3.00 reduction in fee for enrolling in and receiving electronic statements, $0.20 reduction in fee for each posted and cleared check card purchase, $1.00 reduction in fee for initial log-in to online banking. $1.00 reduction in fee for direct deposit. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.

Merchant Rewards

Save your way throughout the day with real rewards at places you love. Get more green with your grub, courtesy of grocery store coupons. And save at the register from local Duluth favorites to major national chains. Plus, cash in on exclusive rebates from online retailers!

Or, trust your rewards to a big corporate bank that thinks "happy hour at Grandma's" is 60 minutes of crochet hooks and hard candies — it's your call…

Exclusive Merchant Rewards Savings:

  • Up to 30% rebates from brand name online retailers
  • In-store savings from local favorites to national chains
  • Free, easy-to-print grocery coupons for food, household items and more
Fraud Protection

Keep your personal and account information secure with comprehensive fraud protection. See how Choice Checking goes above and beyond to ensure safety and confidentiality for all account holders:

Around-the-Clock Identity Protection

  • 24/7 account monitoring, starting as soon as you enroll
  • Monitor as many as 6 credit and check cards
  • Monitor all personal info, including your driver's license and SSN
  • Immediate notification in the event of unusual activity

Wallet Replacement Assistance

  • Replace your driver's license, credit and check cards, IDs, and more
  • Quick, streamlined service
  • Personal care and attention

Immediate Identity Restoration

  • Instant assistance as soon as you believe your identity is at risk
  • Experience and expertise in dealing with the proper authorities
  • Expedited service, so you can get back to being you