Companies with ACH, Wires, or Positive Pay must use the new Treasury Portal. Learn More at our Treasury Services Page.

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Online Banking Upgrade

What’s New in ChoiceOne Online Banking

We want to maximize your banking experience, which is why we are always improving ChoiceOne Online Banking.

screenshot of Upgrade Online Banking

Check out the new look and feel!

  • Seamless Transition Between Mobile and Online Banking
  • Added Enhanced Card Control Features
  • Money Manager (Personal Financial Management Tool)
    • Sync accounts from other financial institutions
    • Budgeting
    • Cash Flow
    • Net Worth – and more!
  • Fully Responsive Design – Works great on tablets!
  • Two Factor Authentication – enroll to receive security codes
  • Improved Alerts
  • Improved Transfer and Bill Pay

To check it out, please log in on our website.

Business Treasury Management Customers using online ACH, Wires, and Positive Pay, please use the Classic Business Sign In as pictured below. Classic Business Sign In


Frequently Asked Questions

How do I access Enhanced Card Controls?

Gives cardholders a variety of restriction and alert choices which strengthens fraud detection and prevention.

You can find this listed under the card within both the app and online.

  1. Select the Card.
    Select the Card
  2. Press Alerts and protection.
    Press Alerts and protection
  3. Adjust preferences to restrict or alert based on merchant types, transactions, and/or locations.
    Adjust preferences

Where do I find the ChoiceOne Money Manager?

ChoiceOne’s Money Manager lets users categorize transactions and add accounts from multiple institutions into a single view. It also includes data visualizations such as spending trends, budgets and net worth. You can find Money Manager on mobile under the flyout menu, labeled Money Manager.

Within Online Banking, you will find Money Manager by:

  1. Select an Account.
    Select an Account
  2. Press the Money Manager button.
    Press the Money Manager button
  3. Wait for the Money Manager interface to load.
    Wait for the Money Manager interface to load

Where can I find Basic Statements?

Basic Statements are not available within the new Online Banking platform.

eStatements are available, as well as transaction history.

If you need to access Basic Statements, they can be found within the Classic Business Sign In.

Where do users enter their Symantec VIP Token credentials?

The new Online Banking uses Authy and/or text verification for 2FA security.

Symantec VIP is still used for ACH and Wire customers when they login to the Classic Business Sign In.

Where do business users send ACH and Wires?

Business users should use the Classic Business Sign In to process ACH and Wires.

This will bring them into the Classic Online Banking experience.

Does the new Online Banking platform work with third-party accounting/payroll software and the integrations they have with them?

The new Online Banking platform is compatible with third-party services.

How do you access the Full Bill Pay experience, similar to what I had before?

New Online Banking Users can select the Manage Payees button found under the Payments tab.

Upon clicking this button, the full Bill Pay site launches.

How can business users access a full Bill Pay experience?

Business users can access the full Bill Pay by logging in with the Classic Business Sign In.

Do I need to setup a new password to use the new online banking?

The same username and password they used previously, will continue to work on the upgraded platform.

Where is the data from former Laketone Bank & Trust Compass users in Money Manager?

We are in the process of transferring any information that was previously set up in your Lakestone PFM to your ChoiceOne PFM. Once this transfer is complete you will be able to view any features and external accounts that were previously set up within Money Manager.

We caution you to not start using Money Manager until the records have been transferred. Any information you input will be written over with your previously entered Compass information.

We estimate two weeks of internal testing and an approximate live date for Tuesday, September 8.

Can I use Internet Explorer?

Internet Explorer is not recommended. When you attempt to login, you will receive a message notifying you that a browser upgrade is needed.

They may be able to successfully login and user internet banking, but Chrome will provide more stability.

Do you wish to continue? Close Warning

The link you’ve clicked was provided from an external source because we see opportunity for you. By selecting “yes, continue” below you will be opening a new browser window and leaving our website. Although we’ve carefully reviewed the website prior to creating the link, unfortunately we cannot be responsible for the safety or security of the website.

What You Will Need Close Warning

Applying is fast and easy. Here’s what you’ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver’s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.