Membership Frequently Asked Questions

Q: Are my foster and stepchildren eligible for membership?
A: Yes, children—natural, adopted, step, foster—are eligible.

Q: How do I add a joint owner to my account?
A: Approximately seven to ten days after submitting your online membership application, you will receive a welcome packet in the mail. Included is a membership application for you to sign and return with your initial deposit. Joint owner(s) can be designated on this application and we will need their signatures as well.

Q: How many joint owners can I have on a savings account?
A: You can have as many joint owners on a savings account as you would like.

Q: How many joint owners can I have on a checking account?
A: You can have two joint owners on a checking account.

Q: Can I have more than one savings or checking account?
A: There is no limit to the number of savings or checking accounts you can establish.

Q: What does joint ownership with survivorship mean?
A: On the death of an owner of the account, the deceased owner's shares in the account pass to the surviving owner of the account.

Q: What does joint ownership without survivorship mean?
A: On the death of an owner of the account, the deceased owner's shares in the account pass as part of the deceased owner's estate.

Q: If I leave your field of membership, will I have to close my Choice Community Credit Union accounts?
A: No, once you've joined, you can remain a member as long as you have active accounts.