Checking Accounts

Choice Checking is one of the best checking accounts in the Tampa Bay area. Not a member? You can click here to join, and to switch your current checking account click here. Choice Checking is Free with Direct Deposit and offers these great benefits:

  • Remote Deposit — snap an image of the check you want to deposit and submit via your mobile device!
  • Activate or deactivate your debit card for added peace of mind. 
  • Get your debit card the same day!
  • Free checking to all members under age 25 and over age 60.
  • Earn interest (dividends) on average daily checking balances of at $1,000 or more.
  • Free online and mobile bill payer.
  • Free Debit Card/ ATM Card — Get cash back while you shop, it's quick and easy!
  • Free ATM Access — use your Debit card for cash at any Railroad & Industrial ATM, any CU Here, CO-OP or Presto at Publix Grocery store.
  • Mobile device access for iPhone or Android and others.
  • Free account transaction TXT alerts.
  • Free account statements — mailed or electronic!
  • Free online banking with PC Connect.

Overdraft Protection Services. When you run short on money and have the occasional overdraft, we’ve got your check or debit transaction covered.

  • Share Account – fee free and we transfer dollar-for-dollar from your share account to cover the deficiency.
  • Line-of-Credit – fee free, but interest will accrue on your line-of-credit and transfers are made in increments of $100. 

Courtesy Pay and Courtesy Pay Expanded. (Must be 18 years of age or older) 

  • Courtesy Pay is a free service, and you are automatically enrolled in the service after your account is opened for 90-days. It covers your checks and ACH items when you do not have the money available.  When a transaction is covered by this service, there is a fee per transaction.
  • Courtesy Pay Expanded is available to members after 90-days, requires you to enroll online or at an office. The expanded program includes protection for you at the ATM or when you use your debit card. When a transaction is covered by this service, there is a fee per transaction.
  • Only available when you have direct deposit.
  • Limit is the lesser of  $500 per month or one-half of your highest direct deposit within a 30 day period.

Choice Checking is free with Direct Deposit, or if you keep an average daily balance of $1,000. otherwise, there is a monthly fee.

Ready to switch, you can use our online switch-kit to get started and a credit union representative will contact you upon receipt. 

To start direct deposit, you'll need our Routing & Transit number 263183049. Our fee schedule can be found here

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