Checking Accounts

Basic Checking

Take advantage of our Basic Checking Account!

First General, a Division of Community Choice Credit Union understands the importance of providing a checking account without any hassles.

Our basic checking provides you with a fresh start and no hassles.  Without fees and easy access to your account, our basic checking offers you everything from a Debit Card that earns you reward points for usage, to surcharge-free ATM access!

So, what are you waiting for?


Simply Better Checking

Be Safer. Spend Smarter. It's Simply Better!

First General, a Division of Community Choice Credit Union nderstands the importance of providing SECURE checking accounts with all the convenience your busy life demands – that’s why we are delighted to offer Simply Better Checking!

Simply Better Checking is similar to a basic checking account, but BETTER. Everything about our Simply Better Checking makes it simple to help keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases. 

Check out these benefits!

  • Debit Card
  • No Minimum Balance
  • Courtesy Pay
  • Unlimited Check Writing 
  • Check Printing
  • E-Statements
  • IDProtect® – better protect yourself and your family (1) and your joint account owners from fraud with our identity theft monitoring and resolution service (2) that includes credit file monitoring (3), 3-in-1 credit report, monitoring of over 1,000 public databases, identity theft expense reimbursement (4), fully managed resolution services, and more. Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance (4) (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
  • Debit Advantage®* – Buyer’s Protection (4) and Extended Warranty (4)
  • Cellular Telephone Protection* (4) – Receive up to $400 of replacement or repair costs if your eligible cell phones are stolen or damaged.
  • Travel and Leisure Discount
  • Membership (Registration/activation required)
  • $hopping Rewards (TM) (Registration/activation required)
  • Health Discount Savings (This is not insurance, registration/activation required)

Restrictions May Apply*

View Simply Better Checking Restrictions

 A $5.00 monthly service charge applies.

You may opt out at any time by filling out this form.

You may turn it in at any of our branch offices, fax it to (231) 332-5986 or email your completed form to

* Must use eligible account to purchase and/or pay for service

I took advantage of the Cellular Telephone Protection benefit! After cracking my screen a total of 5 times, I finally decided it was worth the $50 deductible. When I called the number listed on the website, I was connected with a friendly representative who assisted me in filing a claim. Once I received the necessary paperwork to file my claim, I brought my phone in to Crashmasters on Apple. They fixed my screen (I had them put on a “special” screen protector that I had to pay extra for) and I paid a total of $149.99. After completing the paperwork, I emailed it back with the receipt. Within 2-3 weeks I received a check for $99.99! The only thing I would say is the check came and it looked like junk mail, which I almost threw away. Very easy process!!
Brenda W