Choice Checking

The Cecilian Bank offers several checking account options, each one tailored to your individual banking needs. Are you looking for cost efficiency? We have it. Are you looking to earn additional interest? We have it. ID theft protection, credit monitoring or cell phone protection? Have it. No matter what you’re looking for in a checking account, we have it. The Cecilian Bank is your connection to better banking.

Click here to view the Checklist of items you'll need to open a new account
logo

NextGen Choice Checking

Finally. A checking account as active as you. Our NextGen Choice Checking is a perfect solution for teens and young adults 14 to 23 years old.1 This special account offers features suitable for an on-the-go lifestyle at no cost to you! The NextGen Choice Checking account has many perks including:

Patriot Choice Checking

HOOAH. HUA. HOOYAH. OORAH.

No matter your battle cry, The Cecilian Bank salutes your service! The Patriot Choice checking account honors the brave men and women who valiantly serve in our Military. Active Duty, Retirees, Veterans, and Military Spouses with a Military ID are eligible to take advantage of this special checking account designed to show our support to those who serve.7

Choice Opportunity Checking

We get it. Reestablishing yourself in the banking world after experiencing an overdrawn account is challenging. That’s why we offer our customers a chance to rebuild their financial reputation and confidence with our Choice Opportunity Checking account.

  • $50 Minimum to Open Account
  • Low Monthly Fee of $10
  • With Direct Deposit, the Monthly Fee is Lowered to $8
  • Unlimited Checking & Transactions
  • No Minimum Balance Fee

Choice Checking

Choice Checking is a basic checking account but there’s nothing basic about it! This checking account offers benefits meant to simplify your life.

  • $100 Minimum to open Account
  • Unlimited Checking & Transactions
  • No Minimum Balance Fee
  • No Monthly Fee
  • VISA® Debit Card

Choice Plus Checking

Looking for a little more than a basic checking account? Then Choice Plus Checking is for you! This checking account offers the same benefits as Choice Checking with the added option of earning interest. PLUS, when you maintain a $500 minimum daily balance, you avoid the $7.50 monthly fee!

  • $100 Minimum to Open Account
  • Unlimited Checking & Transactions
  • Monthly Statements with Check Images
  • $500 Minimum Daily Balance8
  • Ability to Earn Interest9

Choice Gold Checking

One of our most popular checking accounts, Choice Gold Checking, is the best value with no hidden fees or minimum transaction requirements. Built for the way you live, Choice Gold Checking is packed with valuable features for your life, such as personalized checks, IDProtect® Identity Theft Protection and Resolution Service, credit monitoring, cell phone protection, Nickel Rewards, and so much more! For the monthly fee of only $8.95, it’s easy to see why our Choice Gold Checking account is the most popular.

  • $100 Minimum to Open Account
  • Unlimited Checking & Transactions
  • No Minimum Balance Fee
  • Monthly Statements with Check Images
  • Ability to Earn Interest9
  • Cashier’s Checks at No Issue Fee10

Additional Benefits:

  • $10,000 Accidental Death and Dismemberment Insurance: You can rest assured that you are protected with $10,000 in Accidental Death and Dismemberment Insurance 24 hours a day. Coverage divides equally into joint accounts and reduces by 50% at age 70. To file a claim, please call the Benefit Administrator at 1 (866) 210-0361.11
  • Earn Additional Interest: Who doesn’t want more money? Collected daily balances of $1,000 or more will earn interest, and by doing five simple things every month, you can earn even more interest with your Choice Gold Checking account! Visit our Earn Additional Interest page to learn more. Interest rates are subject to change daily.
  • IDProtect®: Protect yourself from the nation’s fastest growing crime with IDProtect®, a priceless Identity Theft Monitoring and Resolution Service13 exclusively for our Choice Gold and Choice 50 Gold Club Account members. At no extra cost, you will receive the following benefits:
    • Single Bureau Credit File Monitoring12: We monitor your credit file daily, and you’ll receive automated alerts of key changes to your TransUnion credit report.
    • Identity Monitoring12:We monitor more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, U.S. Postal Service records, and more. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified.
    • Credit Report12:You can request a single bureau report every six months or upon opening an identity theft resolution case.
    • Credit Score15: You can request a single bureau score every month.
    • Up to $25,000 Identity Theft Expense Reimbursement Coverage: To cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distant calls, certified main and notarized fraud documents, medical record costs, costs for daycare, and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records. To file a claim, please call the Benefit Administrator at 1 (866) 210-0361.11
    • Fully Managed ID Theft Resolution Services: You’ll have access to a fraud specialist assigned to manage your case until your identity is restored.
    • Debit and Credit Card Registration12: Register your credit, debit, and ATM cards for peace of mind, knowing you can call one toll-free number to cancel and request replacement cards if they are lost or stolen.
    • Credit Score Tracker14,15: You will receive valuable insight into your credit score.
    • Financial Wellness 360°: Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, info-graphics, and more to help maximize financial wellness. (Available via mobile and web only.)
  • Personalized Checks: Receive all the personally imprinted checks you need at no additional charge. Some restrictions may apply.
  • Personal Safe Deposit Box: Store your valuables in a personal-sized (3×5) Safe Deposit Box. It’s yours with no rental fee for an entire year. New rentals only.16
  • Nickel Reward: Receive a nickel back per swipe when you use your Cecilian Bank VISA® Debit Card as a Point of Sale PIN-based or signature-based transaction. This will be credited to your account monthly and included in your monthly statement. Click here for Nickel Reward FAQs.
  • Cellular Telephone Protection: Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged in the U.S. and abroad. Up to two claims and a maximum of $1,200 per eligible account per 12-month period. A $50 deductible applies. Covers up to four phones on a cellular telephone bill. Your cell phone bill must be paid through this account. To file a claim, please call the Benefit Administrator at 1 (866) 210-0361.11
  • Additional Discounts:  Free or reduced fees for the following products and services:  Free Notary Service, Free and Unlimited Mobile Deposits, Stop Payments $25, VISA® Gift Cards $2, VISA® Travel Cards $5, Outgoing Domestic Wires $20, Instant Issue Dual Interface EMV® Contactless Personal VISA® Debit Card $7.50.

Choice 50 Gold Checking

They say these are some of the best years of our lives, and you deserve a checking account that offers the best! Being 50 has its advantages, and we’ve ensured you have the best we can offer! The Choice 50 Gold Checking account comes with all the benefits of the other Choice Gold Checking accounts but offers some unique benefits for our more mature customers at only $6.95 per month.

Additional Benefits:

  • $10,000 Accidental Death and Dismemberment Insurance: You can rest assured that you are protected with $10,000 in Accidental Death and Dismemberment Insurance 24 hours a day. Coverage divides equally into joint accounts and reduces by 50% at age 70. To file a claim, please call the Benefit Administrator at 1 (866) 210-0361.11
  • Earn Additional Interest: Who doesn’t want more money? Collected daily balances of $1,000 or more will earn interest, and by doing five simple things every month, you can earn even more interest with your Choice Gold Checking account! Visit our Earn Additional Interest page to learn more. Interest rates are subject to change daily.
  • IDProtect®: Protect yourself from the nation’s fastest growing crime with IDProtect®, a priceless Identity Theft Monitoring and Resolution Service13 exclusively for our Choice Gold and Choice 50 Gold Club Account members. At no extra cost, you will receive the following benefits:
    • Single Bureau Credit File Monitoring12: We monitor your credit file daily, and you’ll receive automated alerts of key changes to your TransUnion credit report.
    • Identity Monitoring12:We monitor more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, U.S. Postal Service records, and more. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified.
    • Credit Report12:You can request a single bureau report every six months or upon opening an identity theft resolution case.
    • Credit Score15: You can request a single bureau score every month.
    • Up to $25,000 Identity Theft Expense Reimbursement Coverage: To cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distant calls, certified main and notarized fraud documents, medical record costs, costs for daycare, and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records. To file a claim, please call the Benefit Administrator at 1 (866) 210-0361.11
    • Fully Managed ID Theft Resolution Services: You’ll have access to a fraud specialist assigned to manage your case until your identity is restored.
    • Debit and Credit Card Registration12: Register your credit, debit, and ATM cards for peace of mind, knowing you can call one toll-free number to cancel and request replacement cards if they are lost or stolen.
    • Credit Score Tracker14,15: You will receive valuable insight into your credit score.
    • Financial Wellness 360°: Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, info-graphics, and more to help maximize financial wellness. (Available via mobile and web only.)
  • Personalized Checks: Receive all the personally imprinted checks you need at no additional charge. Some restrictions may apply.
  • Personal Safe Deposit Box: Store your valuables in a personal-sized (3×5) Safe Deposit Box. It’s yours with no rental fee for an entire year. New rentals only.16
  • Nickel Reward: Receive a nickel back per swipe when you use your Cecilian Bank VISA® Debit Card as a Point of Sale PIN-based or signature-based transaction. This will be credited to your account monthly and included in your monthly statement. Click here for Nickel Reward FAQs.
  • Cellular Telephone Protection: Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged in the U.S. and abroad. Up to two claims and a maximum of $1,200 per eligible account per 12-month period. A $50 deductible applies. Covers up to four phones on a cellular telephone bill. Your cell phone bill must be paid through this account. To file a claim, please call the Benefit Administrator at 1 (866) 210-0361.11
  • Additional Discounts:  Free or reduced fees for the following products and services:  Free Notary Service, Free and Unlimited Mobile Deposits, Stop Payments $25, VISA® Gift Cards $2, VISA® Travel Cards $5, Outgoing Domestic Wires $20, Instant Issue Dual Interface EMV® Contactless Personal VISA® Debit Card $7.50.

Easy Money Investment Checking

Enjoy the benefits of easy, unlimited access to your personal funds and receive a competitive interest rate with The Cecilian Bank’s Easy Money Investment account. It really is just that easy!

  1. Account owners 14 to 17 years of age must have a parent or legal guardian as a co-owner on the account.
  2. One Instant Issue Debit Card free of charge at account opening. Additional Instant Issue Debit Cards will be a fee of $10 each.
  3. Monthly, up to two foreign ATM fees, total refunded fees not to exceed $10.
  4. Receive a nickel back per swipe when you use your Cecilian Bank VISA® Debit Card as a Point-of-Sale PIN-based or signature-based transaction. This will be credited to your account monthly and included in your monthly statement.
  5. Bill Pay is free as long as you log in and pay at least one bill per month. This does not include recurring payments. A fee of $5.95 will be charged to your checking account for each month that at least one bill is not paid.
  6. Printed monthly statements are available for $2 per month. Statement images also available for an additional $2 per statement.
  7. To open a Patriot Choice checking account, account holders must provide an unexpired Military ID card, Veteran ID card or a Form DD-214 with an honorable discharge at the time of account opening.
  8. When you keep a minimum balance of $500 in the account each day, you will avoid the monthly fee. Should your balance drop below $500, a $7.50 monthly fee will be charged.
  9. Collected daily balances of $1,000 or more will earn interest. Rate subject to change daily. Other terms and conditions may apply.
  10. Limit of three per month.
  11. The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificates of insurance. Guide to Benefit and insurance documents can be found online at TheCecilianBank.ClubChecking.com or the Club Checking mobile app. If you wish to name a beneficiary for your Accidental Death & Dismemberment Insurance coverage, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account holder, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please visit TheCecilianBank.ClubChecking.com or call 1 (866) 210-0361. The Cecilian Bank is insured as a Member of the FDIC; however, insurance products are not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate.
  12. Registration is required.
  13. Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
  14. You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated the credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
  15. Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
  16. The Cecilian Bank is insured as a Member of the FDIC; however, the contents of the safe deposit box are not insured by The Cecilian Bank, FDIC, or any government insurance program. Our not insuring the contents does not constitute a failure to exercise reasonable care. If you want the contents to be insured, you will have to arrange for your own insurance at your own expense. The Cecilian Bank will not be liable for the loss of contents of your box by fire, flood, embezzlement, or any other cause.
  17. When you keep a minimum balance of $10,000 in the account each day, you will avoid the monthly fee. Should your balance drop below $10,000, a $20 monthly fee will be charged.
  18. Collected daily balances of $10,000 or more will earn interest. Rates are subject to change daily. Other terms and conditions may apply.

Chat with a representative