Your Checking Account Should Pay You. Ours Does.

Most traditional checking accounts offer very little, if they offer anything at all. You put money in, pay your bills, swipe your debit card, but get nothing in return. At many financial institutions, your checking account is just a holding place. It doesn’t earn anything, and worse, you might even be paying fees. You deserve better.

Why should your money sit idle when it could be working for you? Why should you pay for the privilege of accessing your funds? You shouldn’t—and that’s why we offer Choice Checking, which lets you earn money with a checking account.

FINALLY, A CHECKING ACCOUNT THAT WORKS FOR YOU

Unlike traditional checking accounts that treat your money as if they’re doing you a favor by holding it, Choice Checking is different. It actively rewards you for using your account. Not only does it help you save money by eliminating many of the fees that can slowly drain your balance over time, but it’s also a checking account that earns dividends, which helps you grow your balance.

Earn Dividends on Your Balance

Why should your money just sit there when it could be growing in the best dividend checking account? With Choice Checking, the money in your account actively works for you, earning competitive dividends on balances up to $20,000 that compound over time. Balances over $20,000 earn dividends, too, but at a lower rate.

You just have to take three easy steps to earn a competitive rate:

1. Make 12+ debit card transactions of $5+ per cycle
2. Receive E-Statements
3. Have one direct deposit or automatic electronic payment, or one credit card purchase per cycle

If you happen to miss a step, you’ll still earn dividends, but at a lower rate.

No Minimum Balance

You don’t have to worry about keeping a certain balance in your Choice Checking account to avoid fees. This means no more penalties for using your money when you need it. When life gets busy or money is tight, you can bank freely without worrying about fees draining your balance.

No Monthly Service Fees

You shouldn’t have to pay just to have a checking account. Unlike many financial institutions that charge you each month to keep your money with them, there are no monthly service fees with Choice Checking from Fibre Federal. This allows you to keep more of your hard-earned money where it belongs — in your account.

Access Over 30,000 ATMs Nationwide

With Choice Checking, you’ll have access to a network of over 30,000 ATMs across the country. Whether you’re running local errands or visiting a new destination, you’ll have convenient access to your funds. Even if you’re assessed an out-of-network ATM fee, Choice Checking has you covered. You’ll qualify for up to $25 in ATM fee refunds per month when you meet the requirements.

Additional Perks for Members 62+

Members age 62 and older are automatically enrolled in Patron Checking when they open a Choice Checking account. You’ll receive a free box of checks each year and five free cashier’s checks per month. This helps you save time and money when handling your finances.

HOW MUCH ARE YOU LEAVING ON THE TABLE?

With a high-yield checking account, like Choice Checking, the savings and dividends can add up fast. How much can you earn and save? Let’s break it down with an example.

Let’s say you keep an average balance of $3,500 in your account throughout the year. With a traditional checking account, you won’t earn anything. However, with a checking account that pays dividends, you’ll earn $148.75 with an APY of 4.25%.

Let’s also say that you use out-of-network ATMs twice a month and incur a $3 fee each time. With a traditional checking account, you’ll be on the hook for $72 in ATM fees each year. If the account charges a monthly maintenance fee of $5, that’s another $60 per year that you’ll have to pay. That comes to $132 in fees each year.

With Choice Checking, you’ll be refunded the out-of-network ATM fees, and there are no monthly maintenance fees. In addition to saving $132, you’ll also earn dividends of $148.75. That means you’ll be ahead by $280.75 simply because you have a better checking account.

WHY WAITING IS COSTING YOU

Every day you stay with a traditional checking account is another day your money sits idle. It’s doing nothing for you, and it may also be costing you in fees. It could easily cost you $100-$200 a year.

Over time, it can really add up. Staying with a traditional checking account for five years could mean losing out on over $1,000 in savings and dividends, depending on your balance. That’s money you could use to save for something you want or need, grow an emergency fund, or pay for a vacation.

Opening a Choice Checking account is fast and easy. It can even be done entirely online — no trip to a financial services center required. Why wait another day to get started?

START EARNING TODAY!

Ready to get paid for your everyday banking? With Choice Checking, the benefits begin right away. You’ll start earning dividends with your first deposit, you’re protected from unnecessary fees, and you no longer have to worry about maintaining a minimum balance. Open a Choice Checking account today and enjoy a more rewarding way to manage your money!

Start Earning Dividends on Everyday Purchases — Sign Up for Choice Checking Today!