ChoiceDirect is an exclusive online service of Choice Financial, a strong Midwestern community
bank. Our services are backed by the banking convenience you expect and deserve.
We’re based in North Dakota, and serve customers in all 50 states, but we’re always within reach
online – or by phone. Together with your financial advisor, we’ll provide a foundation for your
financial plan.
ChoiceDirect VIP Checking
Money Market Rates
Get rewarded for everyday banking. You can earn
better returns while enjoying convenient access to
your funds.
Best if you want to save more and earn more.
1.25%
APY
0.65%
APY
Balances $100-25,000
Balances $25,000+
4
0.65%
APY
0.65%
APY
Money Market Account
Business Money Market
1
1
4
• Earn Competitive Interest Based on Your Balance.
• $200 Minimum Opening Deposit.
• Online Account Opening (18 years +)
• Earns Tiered Interest Based on Your Balance.
• Access to Over 26,000 Fee-Free ATMs. 6
• $100 Minimum Opening Deposit.
Health Savings Account (HSA)
Certificate of Deposit (CD)
Save for eligible healthcare costs. make your healthcare premiums affordable while reducing your taxable
income. Best of all, we make the process simple.
Best if you want to lock in a high yield. Enjoy the
convenience of multiple online and mobile options
to access your accounts.
0.05%
APY
Balances $0 – 2,499
0.65%
APY
13-Month Term
3
0.30%
APY
Balances $5,000 – 14,999
3
0.15%
APY
0.55% APY
Balances $2,500 – 4,999 Balances $15,000+
3
3
• Interest earned on every dollar5
• Debit Card with unlimited point-of-sale transactions.
• Online Banking, Mobile Banking App and Bill Pay.7
2
1.00%
APY
24-Month Term
1.20%
APY 2
36-Month Term
2
• Deposit Additional Funds at Any Time 2
• $5,000 Minimum Opening Deposit
• Online Account Opening (18 years +)
1 Annual Percentage Yield. Minimum $200 opening deposit. The total balance of your savings may not exceed $1,500,000. Interest is compounded and credited monthly. No more than six preauthorized transfers to another account per month. If you exceed the transfer limitations, your account may be subject to closure. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example: checks). Rates effective as of 6/28/2012 and are subject to change at any time. Other terms may apply. 2 Annual Percentage Yield. Minimum $5,000 opening deposit. You may make
additional deposits to your CD; the total balance in your CD may not exceed $1,500,000. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example:
checks). Early withdrawal penalties apply. Rates effective as of 1/19/2016 and are subject to change at any time. Other terms may apply. Stated ChoiceDirect CD rates are available for individual accounts only.
For rates on business accounts, please contact our customer service team at 877.380.3623. No broker or institutional funds. 3 Annual Percentage Yield. Rate effective 1/11/12. Interest is compounded and credited monthly. Interest begins to accrue no later than the business day we receive credit for the deposit on non-cash items (for example: checks). Rates subject to change at any time. If account is closed within
12 months of opening, a $25 fee will be incurred. The annual fee is based on the year-end ledger balance of December 31 of every year, and is charged on January 1 of the following year. 4 Rates effective as of
12/1/2014 and are subject to change at anytime. Minimum opening deposit (and balance) of $100.00. Fees may reduce earnings. The following qualifications must be met each statement cycle in order to receive
interest: a)have 10 debit/POS transactions per month; b) must be enrolled and receive e-Statements; and c) must have a direct deposit or ACH transfer tied to the account. If qualifications are not met during
the statement cycle, an annual percentage yield (APY) of 0.05% will be earned. Balances up to $25,000 receive an APY of 1.25%; balances of $25,001 and over receive an APY of 0.65%. Interest is compounded
and credited monthly. Interest begins to accrue no later than the business we receive credit for the deposit of non-cash items (for example checks). 5 Interest begins to accrue no later than the business day we
receive credit for the deposit on non-cash items (for example: checks). Rates subject to change at any time. 6You may be charged a foreign ATM fee. 7 Fee may be assessed by your Mobile Service Provider.
Member FDIC.
yourchoicedirect.com
©2015 Choice Financial • Member FDIC • 07/15