Our offices will be closed Monday, May 29, in observation of Memorial Day. Our website, ATMs, online, and mobile banking will be available for your convenience. We will resume normal business hours on Tuesday, May 30.

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Frequently Asked Questions

Have a question and need an answer? Turn to our Frequently Asked Questions page to find a categorized list of your most common questions.


Online Banking

We’ve made banking easy, quick and simple. Online Banking is a completely secure service with many benefits:

  • Free images of your checks
  • Free bill pay
  • Access to past statements
  • Transfer of funds between accounts
  • Make ChoiceOne consumer loan payments
  • Download your account information into Quickbooks, Quicken or into a spreadsheet


Phone Banking

Access your account balance, and transfer funds simply by calling in. Our phone banking option is available in English and Spanish for your convenience. Use the following steps to access your 24 hour Phone Banking Account:

  • Dial (800)-887-8282
  • Press “1” if you’re calling from a touch-tone phone.  Continue following the instructions listed below.  If you are not calling from a touch-tone phone, you will be connected with a customer service representative (CSR) during normal banking hours.
  • When asked, enter your TIN, then enter the # sign.
  • When asked, enter your personal I.D. number, then enter the # sign.  Please remember this number because you’ll use it each time you call the account information system.
  • The provided Spanish instructions will always follow the English version at every step.
  • Simply hang up to end your call at any time.


Mobile Banking

Keeping track of your finances just got a whole lot easier with Mobile Banking from ChoiceOne Bank. You can stay in constant contact with your finances all from the comfort of your mobile device. It’s a fast and secure way to access your accounts from virtually any phone or mobile device. Mobile banking is compatible with most mobile devices that can send and receive push notifications or view web pages.


Debit Cards

  • To report a lost or stolen card during business hours, please contact our Customer Service Center at 616.887.7366 or toll-free at 888.775.6687.
  • To report a lost or stolen card after business hours, please call 800.472.3272.
  • To activate a new card or change the PIN on an existing card, call 800.992.3808.

If you report a lost or stolen card after hours, please also contact ChoiceOne Bank at 616.887.7366 or toll-free at 888.775.6687 during business hours so we can take additional security and operational steps. Your safety and security are our top priority.


Remote Deposit Capture

If you’re far away from our branch and have a large volume of checks, we’ve got you covered. Retain a copy of your check for 30 days and save a trip to our branch. Scan checks for deposit right from your desk using our remote deposit capture machine. You can make multiple deposits to multiple accounts and you can make deposits 24 hours a day. All deposited items are saved in the system for future research.

  • Convenient, accurate and less work
  • Save time
  • Improve cash flow
  • Save on gas
  • Keep your employees in the office
  • Reduce processing costs

For more information about your remote deposit capture machine and for a free demonstration, contact us.



Keep your account safe and your identity secure. If you are a victim of Identity Theft here are some tips:

  • Report stolen identity to credit bureaus
  • Ask for them to send a free credit report
  • Ask for names and phone numbers for any credit grantors that are fraudulent
  • If card has been used, get new cards
  • Notify financial institution
  • Close existing account and open a new account
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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.