Money Management Services


Virtual Branch

Virtual Branch® Account Access Services provides you with better, more convenient access to your accounts than ever before… 24 hours a day, any day of the year! With the click of a mouse, you can:

  • Get Account Balances
  • See What Checks Have Cleared
  • Review Account Histories
  • Transfer Funds
  • Make Loan Payments
  • Access Bill Payer
  • Pay All Your Bills
  • And More!


E-Statements

Stop dealing with piles of paper. You can view your Choice One statements online. To use this service you must use our Virtual Branch services. Just sign-in to your Virtual Branch account and you can sign up for this convenient service.



Share Draft Checking

Choice One checking is your alternative to the high checking fees and service charges at other financial institutions. Our full-featured checking account allows you to save money and conveniently manage your monthly finances.

  • NO Per Check Charges
  • NO Monthly Service Charge
  • NO Minimum Balance
  • Telephone Funds Transfers Option
  • Automatic Overdraft Protection Option
  • Sure 2 Pay For Eligible Members
  • Debit/ATM Card Option
  • Easy To Read Monthly Statement
  • Direct Deposit / Payroll Deduction Options

If you run out of checks, you can simply reorder them online.

If you don't already have a Share Draft Checking account, apply for one with this application.


Automatic Overdraft Protection

With our Share Draft Overdraft Protection, you can have your account protected from accidental overdrafts. Simply designate one of your Share Accounts as a funds source, and your overdraft protection is automatic. There is no monthly fee just $5.00 per overdraft.


Sure 2 Pay Overdraft Privilege program

Sure 2 Pay is a service for most members. Any member who is in good standing, with a Checking Account open for 90 days or more, with Direct Deposit to their Share Draft Account, is eligible to take advantage of this service. It is the next grade of overdraft protection. It was created to disburse up to a maximum of $500 to your account for checks and automatic withdrawals, so you avoid embarrassment and mounting retailer fees.

This service will be automatically applied to any Checking Account eligible. It will be utilized only when all other funds from your account(s) have been utilized for the overdraft. There is only a $10 processing fee that will be applied to your monthly statement. You will have 14 days to deposit the funds applicable to the overdraft(s) and pay any other fees.



VISA Check Card

Our VISA Check Card works just like a check, except there’s no check to write. Simply present it as you would a credit card. Your purchase is deducted from your Share Draft Checking account. Plus, there’s no interest, ID hassles, or check acceptance problems when you’re out of town.

There's more! With our VISA Check Card, you can verify your account balances, transfer money between accounts, and withdraw cash at thousands of ATM (automated teller machines) nationwide, anywhere you see ATMs with the VISA or STAR symbol.

Apply for a VISA Check Card with this application.



BARB
Call BARB 24 Hours A Day, 7 Days A Week!

BARB is the quick and convenient way to access your accounts. Simply use any touch tone phone to conduct account inquiries and financial transactions when it’s convenient for you. Call BARB to verify account balances and checks cleared, to withdraw money and transfer funds, plus much more!

Apply for BARB using this application.

How To Use BARB:
BARB, our Audio Response System uses a new user-friendly Menu Prompting format.
1. Call BARB at 1-800-610-2788 toll-free nationwide.
2. Enter the first four or five digits of your account number followed by a zero.
3. Follow the verbal prompts for your menu selections.

NOTE: With Menu Prompting, the user is lead by the system through every step, responding with a simple click of a button. You DO NOT need to enter transaction codes or a # sign to continue. Since this system uses a menu format of prompting, a time delay is given for the member to respond to each prompt. If you respond quickly, there may be a short delay while the system produces a response or provides the next prompt.



Debit or ATM Card

Verify your account balances, withdraw cash, and transfer money between accounts at thousands of ATM (automated teller machines) nationwide. You can use your Debit or ATM card anywhere you see the PLUS network symbols.

You can also use our Debit or ATM card to make purchases at participating retail outlets. The funds are drawn from your designated Share Account.

Check here to find the nearest credit union, Non-surcharge ATM.

There's more! You can get a FREE Debit or ATM card with Direct Deposit. Call the Credit Union for more information.

Apply for a Debit or ATM card using this application.


Direct Deposit

Choose this FREE and safe way to automatically deposit your entire net pay, Social Security, or pension check(s) into your credit union account. Never again make a special check cashing trip or worry about a lost, stolen, or mail delayed check. Your money is automatically transferred and immediately available every pay day.

Use this Routing Number to have your funds directly deposited: 231386878

There's more! Call the Credit Union to see how you can qualify for a FREE STAR Card with Direct Deposit.


Payroll Deduction

With Payroll deduction, you can designate portions of your directly deposited funds to be deducted and deposited in your Share Savings Accounts (Christmas Club, Vacation Club, etc.) and to make your Credit Union Loan payments. It’s a great way to establish a no-excuses savings plan and to make loan payments automatic, plus there’s no sign up fee!

Loans • Savings And Investments • Money Management • Youth • Additional Services