Checking Accounts

Choice Checking is one of the best checking accounts in the Tampa Bay area. It's 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!
  • 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 bill payer — EZ Pay.
  • 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.
  • 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 – is a free service, but remember when a transaction is covered by this service, there is a fee of $28 per transaction.
    • Courtesy Pay Expanded – covers your checking account balance when funds are not available. The expanded program includes protection for you at the ATM or when you use your debit card.
  • Unlimited Check writing.
  • Unlimited lobby visits.
  • Free online banking with PC Connect.
  • Free account statements — mailed or electronic!
  • Free account transaction alerts.
  • Mobile device access for iPhone or Droid and others.
  • Free with Direct Deposit, otherwise, there is $4 per month fee without direct deposit if average daily balance of $1,000 is not met.

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

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