Checking products offered:
- Super Choice Checking
- Smart Choice Checking
- Free Choice Checking
- Interest Checking
- Money Market Checking
- Lost or Stolen Debit Card Information
- 24 Hour Phone Banking Information
Super Choice Checking
Our Super Choice Checking account earns the highest interest combined with the most value!
When you sign up for e-statement, have one direct deposit per qualification cycle and have 20 or more point of sale debit card transactions per qualification cycle you'll receive the following:
- Special Rate of 3.00% APY* on the first $15,000 of deposits in your account.
- Competitive rate of 0.25% APY* on balances over $15,000
- ATM surcharges refunded per qualification cycle
Even if you don't meet the qualifications you'll still receive:
- Competitive rate of 0.15% APY* on all balances
- ID ProtectALL
- $2,500 personal Identity Protection
- Identity Recovery & Restoration Services
- Payment Card Protection
- 6 months free Identity Guard® credit monitoring services
- $5,000 Travel Accidental Death Insurance
- Dining and Entertainment Discounts
- Travel Savings
- Prescription, Vision, and Hearing Discounts
- $5 off original check order or 50 complimentary checks
- Free debit card (upon approval)
- Free online banking & bill pay
GOOD NEWS! – If you have 25 Point-Of-Sale debit card transactions per qualification cycle, the Super Choice Checking monthly fee is waived. Otherwise, it’s only $5 per month.
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* APY is Annual Percentage Yield. Rates may change after opening. Rates are effective as of January 2012. Minimum balance to open is $50. Fees may reduce earnings.
Smart Choice Checking
Smart Choice Checking is our FREE checking account that earns interest
When you sign up for e-statement, have one direct deposit per qualification cycle and have 15 or more point of sale debit card transactions per qulaification cycle you'll receive the following...
- Special rate of 1.50% APY* on the first $15,000 of deposits in your account.
- Competitive rate of 0.20% APY* on balances for $15,000
- No monthly service fee
If you don't meet the qualifications you'll still receive...
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Competitive rate of 0.15% APY* on all balances
- ID ProtectALL
- $1000 personal Identity Protection
- Identity Recovery & Restoration Services
- Payment Card Protection
- 6 months free Identity Guard® credit monitoring services
- Free debit card (upon approval)
- Free Online banking & bill pay
*APY is Annual Percentage Yield. Rates may change after opening. Rates are effective as of January 2012. Minimum balance to open is $50. Fees may reduce earnings.
Free Choice Checking
By signing up for Free Choice Checking you can simplify your banking while gaining these time-saving services:- No minimum balance
- No monthly fee
- Free debit card (upon approval)
- Free Online banking and bill pay
- Free e-Statement
- Minimum balance to open is $50
Interest Checking
Earn interest on all balances in your account:
- Maintain a $1,000 minimum balance in checking or $10,000 in other account balances and you'll avoid the $8 monthly fee
- Free debit card (upon approval)
- Minimum balance to open is $50
- Unlimited Check Writing
- Free Online Banking with Bill Pay
- Free e-statement
Money Market Checking
Earn premium interest while still having access to your balances:
- Premium variable interest rates calculated on a tiered competitive rate table
- Maximum of six debits/withdrawals per statement cycle
- Check images are included free with your free monthly e-statement ($3 per month with mailed statements).
- $8.00 per month if your minimum balance falls below $5,000
Lost or Stolen Debit Card Information
If you have lost or believe your Debit Card to be stolen please follow these steps:
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If you have lost your ChoiceOne Bank debit card or you suspect your debit card has been stolen please contact ChoiceOne bank as soon as possible. If it is after hours and you are unable to contact the bank, please contact STAR @ 1-800-523-4175. After you contact STAR please also contact ChoiceOne Bank so we can take additional security and operational steps. You’re safety and security are of top priority to ChoiceOne bank.
24 Hour Phone Banking Information
The following are the steps to access your 24 hour Phone Banking Account:
- Dial 1-800-887-8282
- Press “1” if you’re calling from a touch-tone phone. Continue following the instructions listed below. If you are not calling from a touch tone phone, you will be connected with a customer service representative (CSR) during normal banking hours.
- When asked, enter your social security number, then enter the # sign.
- When asked, enter your personal I.D. number, then enter the # sign. Please remember this number because you’ll use it each time you call the account information system.
- Following the menu described. You may end your call at any time.
- The provided Spanish instructions will always follow the English version at every step.
If you are interested in learning about our products or services, please contact your local ChoiceOne bank locations or our Customer Service Center at 616-887-7366, toll-free at 1-888-775-6687. You may also e-mail us using the online contact us form.
