• Innovative checking account that rewards you
  • Valuable merchant discount and rebate programs
  • 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 debit 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 settled qualifying debit card purchase, $1.00 reduction in fee for initial monthly log-in to online banking, $1.00 reduction in fee for direct deposit. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards 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. Merchant rewards and identity theft protection available one business day following account opening.

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
  • Monitoring of up to 25 items, including:
  • Credit and check cards
  • All personal info you provide, including your 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