Online Banking

Not signed up for online banking? Opening your Virtual Branch account is easy. Click here for step by step instructions or visit any Choice One Community Credit Union branch location for help getting started.

Enrollment Instructions

• Access all of your credit union loans & accounts
• Transfer funds between Choice One accounts
• Transfer funds to and from external accounts with Online Bill Pay
• Check account balances
• View account history
• Conduct & verify transactions
• Apply for a loan
• Make loan payments
• Make credit card payments
• Pay your bills with Online Bill Pay
• Mobile app for cell phone & tablet access
• Sign up for free eStatements
• And more!

Our mobile banking app allows you to easily access your accounts and conduct transactions with your mobile phone and tablet. It’s another free credit union service. If you already have Virtual Branch Online Banking, simply download the Choice One mobile app in the App Store or Google Play and use the same login information you would to log in to Virtual Branch Online Banking. It’s that easy! If you aren’t a Virtual Branch user, click here to see step by step instructions on how to enroll or visit any Choice One Community Credit Union branch location for help getting started. When your account is activated, you can download the mobile app and log in.

Learn More

*Regular messaging rates apply. Cell phone providers may charge additional fees for Internet access and/or text messaging.

Protecting your account information is a priority at Choice One FCU. Your Security Code is stored in an encrypted database that even we can’t decode. Additional Enhanced Authentication protects your online data and helps guard against phishing scams and identity theft. It recognizes your computer and your usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before it will allow the user to access your Virtual Branch account.

The system also displays a secret image and phrase combination that you choose. Your image and phrase are displayed each time you logon to verify you are the person accessing your online banking or bill payment account. If you do not see your image and phrase when you try to log in, never enter your Security Code. Additional Choice One security measures include:

• Secure Sockets Layer (SSL) protocol to ensure that your connection and any information transmitted is protected.
• 128-bit encryption to make your information unreadable as it passes over the Internet.
• Automatic time out that occurs if you are inactive in the secure area of our site for more than 10 minutes.

While we continue to evaluate and implement the latest improvements in Internet security technology, users of the system also have the responsibility to protect their personal and account information. The following recommendations should always be followed:

• Our site is best viewed with the most current versions of Internet Explorer, Firefox, and Safari.
• Keep your Security Code confidential. Do not carry it in your wallet.
• Be sure others are not watching you enter your password information on a public computer or at an ATM.
• Never leave your computer unattended while logged on to the Virtual Branch system. Others could approach your computer and gain access to your account information.
• Always exit the system when you are finished to end your session. Do not simply close your browser. Once you exit the system and the session has ended, no further transactions can be processed until you log on to the system again.
• Close your browser when finished, so that others cannot view any screens that might include your account information.
• Keep your computer free of viruses. Use virus protection software to routinely check your computer(s). Never allow a virus to remain on your computer when you access the Virtual Branch Online Banking system.