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Choice Checking

24/7 access. Debit card options. Loan discounts available.*

Managing your finances doesn’t have to stress you out or slow you down. Instead, save time and money with a Choice Checking account!

It’s all right at your fingertips

Want checking that fits your always-connected, on-the-go lifestyle? Done. It’s easy to keep up and get ahead with Addition Financial’s mobile banking, online banking, online bill pay and more.

Be Cool + Support Local Schools

When you choose a debit card that’s affiliated with your local public school district (Orange, Osceola or Seminole County), Addition Financial will donate $0.03 to that district every time you swipe, tap or insert.

Features and Benefits

  • Direct deposit and payroll deduction
  • SaveTopia discount program
  • P2P transfers through Bill Pay
  • Contactless payment with Tap to Pay
  • Waived Minimum Share Balance Eligibility
  • Loan Discount Eligibility*

Waived Minimum Share Balance If

  • Under 23 years old
  • Active loan or credit card with Addition Financial
  • Cumulative average daily balance of $250 in combined deposits
  • Cumulative direct deposit to savings or checking of $500 monthly

Loan discounts available*

  • An existing or active Addition Financial Loan and Direct Deposit**

    0.10% for unsecured loans & 0.15% for auto loans

  • Two existing or active Addition Financial Loans and Direct Deposit**

    0.20% for unsecured loans & 0.30% for auto loans

*Credit cards and Real Estate loans qualify as a loan to go towards qualifying for loan discount. A loan discount cannot be applied to credit cards and Real Estate loans.

**The existing or active Addition Financial loans and direct deposit must be on the same Addition Financial account in order to qualify for the discount.

The most secure way to pay

All new Addition Financial debit cards come with the latest card technology. Tap to pay lets you make transactions just by tapping your card on any reader with a tap to pay symbol. It’s faster and more secure than using a chip or swiping your card. With an Addition Financial card, checkout is as simple as look, tap and pay.

Why Addition Financial?

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Get Stuff Done

Powerful anytime account management tools.

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On Time, Every Time

Online bill payments = easy and reliable.

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Deals + Discounts

Save money on the things you like to do with our SaveTopia app.

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Check it out

Choose the account that lets you spend less time banking and more time living.
  1. 1
    Review eligibility

    Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete account application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Get your debit card

    Receive your complimentary debit card and start making your everyday purchases.


Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.