Start earning 2.0% APY* on your balance.
Blast your account balance into new territory with a totally free checking account that pays better-than-CD dividends on balances up to $20,000, plus refunds your ATM fees from other institutions nationwide.
• No monthly fees
• Higher-than-CD dividends*
• Foreign ATM fees reimbursed monthly**
Here's what you'll also get with Free Choice Checking:
- Free Debit Card or ATM Card
- Surcharge free ATM access at 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
- Nine Fibre Federal locations in the Lower Columbia area, five TLC, a Division of Fibre Federal Credit Union locations along the Oregon Coast, and 30,000 Shared Branch 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.
- Free Overdraft Protection. We automatically transfer funds in
$100 increments to your Free Checking account to cover any account
activity that would produce a negative balance. You designate the
savings account, Personal Line of Credit, Home Equity Line of Credit, or Fibre Federal Visa Credit Card to use for this purpose.
- Reorder Checks on line. 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, come to or call any Fibre Federal branch.
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 they choose and the
Fibre basic checks.
- Unlimited cashiers checks issued from the Patron checking account at no fee.
- No fee for Money Orders.
Members need to be 62 and they have to be the primary member on the
account. Each primary member will be allowed two Patron Checking
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 3/1/17 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; enroll in and receive E-Statements, and make one
Direct Deposit or automatic payment to/from your account, or make one
credit card purchase.