Choice Checking
Start Earning 2.0% APY* On Your Balance and Receive Refunds on ATM Fees
Get a totally free checking account that pays better than certificate dividends on balances up to $20,000, plus refunds your ATM fees from other institutions nationwide.
Already a member?
Request a Choice Checking account now! Just enter “Choice Checking” in the “Account Type” field.
Here's what you'll also get with Free Choice Checking
- Free Debit Card or ATM Card.
- Surcharge free ATM access at over 30,000 ATMs nationwide. Plus, when you meet the Choice Checking requirements, we will refund up to $25 in foreign ATM fees per month!
- Free Online Banking with optional Bill Pay
- Ten Fibre Federal locations in the Lower Columbia area, six TLC, a Division of Fibre Federal Credit Union locations along the Oregon Coast, and over 30,000 CO-OP ATM locations nationwide. Click here for locations.
- Free Direct Deposit and Payroll Deduction for making automatic deposits. Check deposits may also be made at Fibre Federal ATMs.
- We’ve got you covered with our Checking Protection Package. This package includes Fibre Card Manager, Overdraft Transfer Protection, Courtesy Pay, and Debit Card Courtesy Pay. These services work together to create multiple lines of defense against unexpected surprises, so you always have the money you need for the things you want.
- Reorder checks online. To reorder the same style of checks you already use, with no changes, click here. You will need your account number and the routing number that appears on the bottom of your check. To change check styles or change information printed on the checks, visit or call any Fibre Federal Financial Service Center.
Age 62 Or Older?
Great news! You qualify for Patron Checking too. In addition to all the benefits of Choice Checking, you’ll also receive:
- One free box of checks per calendar year. Fibre basic checks (“Image”) are free of charge. If you prefer a different style of checks, you will only pay the difference between the style you choose and the Fibre basic checks.
- Unlimited cashier’s checks issued from the Patron Checking Account at no fee.
Patron members need to be 62 and must be the primary member on the account. Each primary member will be allowed two Patron Checking Accounts.
Routing Number
To initiate direct deposit and/or payroll deduction, you may need our Routing Number (ABA), which is 323380766.
* Choice Rates 2.0% Annual Percentage Yield (APY) paid on balances between $.01 and $20,000.00 and .05% APY paid on amounts above $20,000.00 each cycle the minimum qualifications are met. If you do not meet the qualification per cycle, your account will still function as a free checking account earning Base Rate .01% APY; however, it will not receive ATM fee refunds for that time period. Rates as of 5/1/21 and subject to change.
**Monthly qualifications to receive the Choice dividend rate and up to $25 in monthly ATM fee reimbursements: Make 12 debit card purchases of at least $5.00 each; enroll in and receive E-Statements, and make one Direct Deposit or automatic payment to/from your account, or make one credit card purchase.
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| Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited | Current Dividend | APY |
|---|---|---|---|---|---|---|
|
$5 |
$5 |
$50 |
Daily |
Monthly |
0.05% |
0.05% |
Rate is effective September 19, 2024 and is subject to change.
Also see terms for accounts.
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