Checking Accounts

Choice Checking is one of the best checking accounts in the Tampa Bay area. You can join, with our online application and switch your current checking account. Choice Checking is free with Direct Deposit, or if you keep an average daily balance of $1,000. otherwise, there is a monthly fee.

Choice Checking comes with all of these great features:

  • Remote Deposit — snap an image of the check you want to deposit and deposit it with 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 $1,000 or more and pay no monthly fee.
  • Free online and mobile bill payer.
  • Free ATM Access — use your Debit card for cash at any Railroad & Industrial ATM, any CU Here, CO-OP or Presto (Publix)
  • 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 overdraft amount. Remember, this feature is subject to monthly Regulation D withdrawal limitations. 
  • 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 to enroll) 

  • Courtesy Pay is a free service, and you're automatically enrolled in the service after your account has been open 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, and 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.

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

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