Free Checking Account Features &



Checking Accounts Designed for You

A free personal checking account is one of the most important tools you have when it comes to managing your finances. Your checking account should be suited to your needs, and Florida Credit Union is committed to ensuring our free checking accounts feature services and benefits designed to save time and simplify your financial concerns.

Apply for a Checking Account Online

Free Checking Account Features with Florida Credit Union

At Florida Credit Union, we believe that no one should be charged for protecting their finances by maintaining a checking account. This philosophy, along with our belief in providing excellent financial services to our members, means we are focused on providing the best checking service features, including:

  • Free Visa debit cards
  • Federally insured deposits up to $250,000 through the NCUA
  • Free online cleared check imaging
  • Free online statements
  • Free online banking
  • Unlimited check writing
  • Online protection (learn more about Verified by Visa for debit transactions)

Checkbook Balancing Tools

Learn more by reading our Checking account brochure.

ATM Fee Rebate Program

Florida Credit Union’s network of ATMs provide our members with easy access to their checking accounts 24/7 through FCU branches and thousands of STAR and PRESTO! ATMs. Through our ATM rebate program, members can access their funds from any nationwide ATM, and FCU will refund the withdrawal fees to your account*. ATM transactions covered under our rebate program include:

  • Cash withdrawals from savings, checking or lines of credit accounts
  • Transfers between accounts

Search for Florida Credit Union ATM locations near you to see which areas FCU serves.

*Offer good on all Florida Credit Union Checking and Savings accounts. Transactions must be made in the United States, and not valid on cruise ships, casinos and international transactions. Must submit receipts within 90 days of surcharge for rebate to be processed. FCU transaction fees may apply. Refer to the FCU fee schedule for additional information.

Checking Overdraft Protection

With a checking account at Florida Credit Union, you never have to worry about non-sufficient funds*! We proudly offer several options designed to protect our members from NSF fees.

* A small charge will apply. Refer to the FCU Fee Schedule for more information.

eCredit – FCU’s Online Credit Option

eCredit from Florida Credit Union is a line of credit featuring quick, convenient ways to access and use money, which gives our members added spending power when they need it most. This versatile offering can protect your checking account against financial miscalculations, provide a little extra money to cover your daily expenses until the next payday and, depending on the limit you receive, can even help with large purchases. Your checking account is directly linked to your eCredit account, that way you can easily access eCredit when you write a check or use your debit card. In addition, your eCredit account is linked to FCU’s Online Banking services, which allows members to transfer to and from their eCredit account as they see fit.

Linking Savings to Checking Accounts

Florida Credit Union is dedicated to ensuring your financial stability, which is why members are given the option to link their checking account to their free savings accounts, allowing them to pull money from their savings to cover checks and debit transactions.

Bounce-Free Checking Protection

Bouncing a check can be a stressful and embarrassing situation, but with bounce-free checking protection from Florida Credit Union, you can avoid multiple fees and the issues that come from insufficient funds. Should you accidently overdraw your account, FCU will pay for your checks** and ensure your transaction goes through.

**Continued enrollment subject to approval and subject to change. Checks are paid as long as Bounce Fee limit has not been met or exceeded. A charge per bounced check or overdrawal at an ATM and/or point-of-sale will apply. See current fee schedule for more information. Opt out options available.

Call or Visit Florida Credit Union

We invite you to call or visit your local Florida Credit Union branch today for more information on our checking accounts and other financial services, including our low-interest personal loans.




Live chat by SightMax
Live Chat by SightMax


Switch to FCU

Join Online Today!


Save time with online banking

Try FCU’s online banking today!

FCU Mailing Address: P.O. Box 5549, Gainesville, FL 32627   Phone: (800) 284-1144   Email:  
Equal_Housing_black_jpg   NCUA_Transparent_black   © 2018 Florida Credit Union. Federally insured by the NCUA.         
close (X)