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Choice Checking

Earn a great rate for using convenient electronic banking services.

Choice Checking rewards you with a generous rate for taking advantage of convenient electronic banking services that you likely already use.

*Annual Percentage Yield (APY) effective as of date shown in "Rates" tab. See "Rates" tab for additional details.

Service Fee
$5.95 per month
Minimum Balance
$100 average daily balance to avoid monthly service fee
Free Checks
Starter Checks
Free Statements
Free eStatements
eBanking
Free
ePay
Free
Earns Interest
Yes (see "Rates" tab for details)
Special Features And Benefits
Earn a great rate for enrolling in eStatements and posting and clearing 12+ signature check card purchases

Add optional ID Restoration service
APY Compound Method
Non-Qualified APY 0.01% Monthly
Qualified APY: $0-$25,000 0.76% Monthly
Qualified APY: over $25,000 0.10% Monthly
View Disclosure

Effective date: 4/15/2014

Annual Percentage Yield (APY) is accurate as of effective date shown above and is subject to change without notice. Minimum opening deposit is $50. APY is variable and may change after account opening. Fees may reduce earnings. Requirements to earn Qualified APY: be enrolled in eStatements and post and clear 12 or more check card purchases by statement cycle date (must be run as “credit” or signature-based transaction to qualify).

Earning Your Great Rate is Easy!

  • Open your Choice Checking account
  • Enroll in eStatements
  • Post and clear 12+ signature Check Card purchases by the statement cycle date

Additional Benefits and Features

  • No monthly service fee with a $100 average daily balance
  • Free unlimited ATM access at more than 20,000 HomeFed and MoneyPass® ATMs nationwide
  • A free starter pack of checks plus unlimited check writing
  • Free eBanking and ePay
  • Free Visa Check Card
  • Check images available online
  • Easy to balance monthly statement
  • Add optional ID Restoration service

A $3 monthly paper statement fee applies until you enroll in eStatements or if you elect to also receive a paper statement. When earned, the qualified rate applies to the first $25,000; balances above $25,000 earn interest at a lower qualified rate. Click "Rates" tab for details. All qualification requirements must be met no later than the statement cycle date. Surcharges at non-MoneyPass network ATMs may apply.

See Personal Account Fee Schedule for additional information. Minimum to open checking account is $50.