Father smiles with toddler son in lap while making a healthy breakfast at the kitchen counter


With MyChoice Checking, you can pay an $8 monthly fee or easily eliminate all or some of it by doing simple things, like getting eStatements instead of mailed paper statements or by using your debit card. 

MyChoice puts you in control

Keeping Checking Simple 

Here's the low down. With MyChoice Checking, there is an $8 monthly fee, BUT you can eliminate all or just part of it by doing routine transactions or setting up direct deposit. And if you're 23 or younger you can skip the fee altogether, because we get that you're just starting out.
Reduce or eliminate the monthly service fee by doing the following:
  • Reduce by $2 for receiving free eStatements
  • Reduce by $2 for having a direct deposit of at least $400 per month
  • Reduce fee by 20¢ per debit card purchase transaction of at least $5 until fee is eliminate
OR by maintaining a daily balance of $500 or more, you can eliminate the $8 monthly service fee without doing any of the qualifications above.* 

Manage your money your way

Take Advantage of Additional Perks 

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Loan discounts with active checking.
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Digital Banking, Bill Pay and eStatements.
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Minimum opening deposit of $1.


Not a member yet? You can open a savings account right along with a MyChoice checking account together online. 
Not finding the right account? We've got other options.

*The monthly fee for this account is $8 (waived for members age 23 or younger). This fee may be reduced by doing the following during the monthly cycle: $2 reduction in fee for enrolling in and receiving electronic statements, $2 reduction for 1 direct deposit of at least $400, and $0.20 reduction in fee for each posted and cleared debit card purchase transaction of at least $5. Qualifying purchase transactions must post and clear the account during the monthly cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Minimum to open account is $1.
†0.50% loan discount on vehicle and personal loans requires an active checking account with at least $400 in direct deposits each month and 12 withdrawals of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.

Debit card purchase transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant). Must be posted and cleared before 6pm on the last day of the month.