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The choice is clear — enjoy valuable discounts at online retailers and safeguard your account with fraud protection and restoration services.

Choose Choice Checking® and take complete control over your monthly statement. Wipe away your monthly service fee with the simple swipe of your new Visa debit card. The more you swipe, the more you save — until you have no monthly service fee whatsoever! And no matter how low your fee goes, you always enjoy full merchant rewards and comprehensive fraud protection because convenience shouldn't come at a cost.


  • Valuable merchant discount program
  • Comprehensive fraud protection and restoration services
  • Reduced monthly service fee with the following qualifications:*
  • Begin each statement cycle with $6 monthly service fee
  • Be enrolled and receive e-statement notice to reduce fee by $1
  • Further reduce fee by 25¢ for each debit card purchase that posts and settles, until fee is eliminated
  • No minimum balance requirement
  • FREE online banking and bill pay
  • FREE eStatements
  • FREE Visa® debit card

Choice Checking includes merchant discounts from the leading online retailers. You can also earn cash back for every purchase you make!

Rewards When and Where You Want Them

Capitalize on Choice Checking across the internet. You can save on all types of purchases, such as travel, electronics, beauty, sports and much more!

And while you're at it, use your debit card. Just post and settle 20 Visa check card purchases per monthly qualification cycle and you could have $0 in monthly service fees — with no decrease in your merchant rewards discounts!

Reduce fees and risk in one fell swoop. Every new Choice Checking account at Pelican State Credit Union includes comprehensive fraud protection and restoration.

Choose Safety That Doesn't Sleep

Stop ID fraud before it starts, with 24/7 monitoring of up to 25 items — including debit cards, credit cards, and other personal info you provide (such as SSN).

Plus, keep your personal information safe and your accounts in your control, courtesy of real-time notifications in the event of unusual activity.

Wallet Replacement Assistance

Lose your wallet, but not your cool. We'll work with you to replace your wallet essentials, such as your driver's license, credit cards, debit cards, and medical IDs, as quickly and painlessly as possible.

Identity Restoration

We treat every Pelican State Credit Union member as one of a kind. And we like to keep it that way. If you believe your identity has been compromised, an Identity Restoration specialist will step in on your behalf to set the record straight. Save the headache, while we work with the proper authorities, administrations and agencies to restore your financial well being to its rightful state.


To sign up for these services, visit at least 24 hours after you open your Choice Checking Account. Your user name is the last 6 digits of your social security number, followed by a dash, then your 5 digit zip code. (123456-12345). Your password is your date of birth. (MMDDYYYY)

*The monthly service fee for this account is $6.00. This fee may be reduced by doing the following during the monthly qualification cycle: $1.00 reduction in fee for enrolling in and receiving e-statement notice and $0.25 reduction in fee for each posted and settled debit card purchase. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Merchant rewards are available one business day following account opening.