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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
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.