Choice Card
Make the Right Choice for Your Money
If you want the flexibility to access and manage your money with the convenience of a debit-card-only account, your choice is clear: the HOPE Choice Card.
- No credit check required
- Available to members with no credit history
- Free HOPE digital banking (online/mobile)2, 3
- Free e-statements after 60 days; accounts that have not signed up for e-statements will be charged a $2 monthly paper statement fee
- Free shared branching³
Your HOPE Choice Card comes with lots of great benefits:
- Quick and Easy Access. Use the HOPE Choice Card to make purchases at retail stores, restaurants, and online merchants. You can also make ATM withdrawals by using your PIN and selecting Checking from the account options.¹
- Greater Security. Rather than carrying cash, you are keeping card funds in a federally insured account.
- Affordability. You can load your HOPE Choice Card with as much money as you want as often as you want without paying for each transaction. There is no minimum balance to keep on the card, and the monthly fee is only $4.
- Limit Overdrafts. Because of the way your Choice Card works, it is much more difficult to overdraw your account. The card cannot be used to make purchases at the fuel pump, rent vehicles, or conduct online gambling transactions. Checks are not permitted on this account.
A Choice Card account is ideal for families as a way to share money, manage allowances, or provide funds for college students.
- Families can share a single account balance on up to five cards with one monthly service fee of $4.
- Account owners can manage up to five different cards, each with a separate balance, with one monthly service fee of $4.
- Cards can be shared with and used by family members who live in Mexico and Canada.
The Choice Card is also great as a first account or for people rebuilding their banking history.
Checking Account Comparison Chart
| Easy Checking | Easy Checking Plus | HOPE Rewards Checking | Student Checking | HOPE Choice Card | |
|---|---|---|---|---|---|
| Opening Balance Requirement | $25 | $0 | $0 | $0 | $0 |
| Minimum Balance | $25 | $0 | $0 | $0 | $0 |
| Monthly Fee | $9.95 Waived with $200 Minimum Balance | $7.95 Waived with $250 Minimum Balance | $0 | $0 | $4 |
| Unlimited Transactions | ✓ | ✓ | ✓ | ✓ | ✓ |
| Electronic Transactions | ✓ | ✓ | ✓ | ✓ | ✓ |
| Paper Checks | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPENet Online Banking | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPENet Online Bill Payment | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPE Mobile Banking1 | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free E-Statements | ✓ | ✓ | ✓ | ✓ $2.00 Monthly Paper Statement Fee | ✓ |
| Member Privilege Overdraft Protection Program | Available | Available | Available | Available | Available |
| More> | More> | More> | More> | More> |
¹Non-HOPE ATMs may charge a fee.
²Wireless carrier messaging and data fees may apply.
³Mobile check deposit and shared branching access are available 60 days after the account is opened
Contact Us
If you have questions or need additional information about a checking account, send a note to your closest branch.