Free Checking Account Features &

Benefits

Checking

Convenient, Personal Checking Accounts with Two Options

At Florida Credit Union, we know that not everyone banks the same way. FCU offers two value-packed, free checking account options for our members. Both checking options come with a debit chip card, Online & Mobile banking, Bill Pay, mobile check deposit and much more!
 
 

Value Checking

Value Checking is our most popular checking option for several reasons: no fees, no minimum balance requirements, and no complicated steps. This non-interest bearing option provides our members with no-frills financial security, and is the right choice for nearly any member.
 
 

Interest Checking

Florida Credit Union’s Interest-bearing checking account is an excellent option for members interested in growing their money. This account features a high interest bearing rate tiered at $10,000, $25,000 and $50,000.
 
 
The following features are available with all of our checking accounts:
 

Free Online and Mobile Banking Features

Once you enroll in our free online banking, you will be able to access your money anywhere, anytime.  Florida Credit Union digital banking tools allow you to view your account transactions, manage your money, pay bills and send money in minutes to anybody with Popmoney electronic payment solution.
 
  • Free mobile app for all banking needs
  • Free online statements
  • Free transfers within FCU accounts
  • Free bill pay 
  • Popmoney - send, request & receive money with just about anyone online or through your mobile device. 
  • Free mobile deposits
  • Free online cleared-check imaging
 

Free Visa debit chip cards

A Visa Debit Card works just like a check, but without the check verification hassles. Your FCU Visa Debit Card with chip technology is accepted anywhere Visa is accepted, has no associated monthly charges and, best of all, the Visa Debit Card doubles as an ATM card. Plus, your debit card is secured with online protection through Verified by Visa. 

 

ATMs & 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.
 

Point-of-Sale Transactions 

Need some cash back? When you use your FCU Visa Debit Card at a variety of retail stores, you have the option to receive cash back, at no extra charge, when you pay for your purchase - saving a trip to the Credit Union or the ATM for cash. 
 

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.
 
* 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 your 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, so 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 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 hassles 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 overdrawn withdrawal at an ATM and/or point-of-sale will apply. See current fee schedule for more information. Opt out options available.

 

Compare Florida Credit Union Checking Options

 

Value Checking
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Interest-Bearing Checking
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Summary
Our most popular checking option, this non-interest bearing option provides our members with no-frills financial security, and is the right choice for nearly any member. 
Summary
Our interest-bearing option is ideal for members looking to keep a high balance and to grow their money while benefiting from a wide range of free services.  
Benefits 
Simplified checking solution
No minimum balance requirement
Benefits
Competitive interest-bearing account to grow your balance
$10,000 minimum balance requirement
Monthly/Annual Service Charge
$0
Monthly/Annual Service Charge
$0
Free Online Banking and Bill Pay?
Yes
Free Online Banking and Bill Pay?
Yes
Person-to-person transfer?
Yes with Popmoney electronic payment solution.
Person-to-person transfer?
Yes with Popmoney electronic payment solution.
Free Visa® Debit Card?
Yes with chip technology
Free Visa® Debit Card?
Yes with chip technology
Minimum Opening Deposit
$0
Minimum Opening Deposit
$0
Free ATM transactions
Yes
Free ATM transactions
Yes
Money Transfer and Cashier’s Checks?
No
Money Transfer and Cashier’s Checks?
Yes
Free eStatements?
Yes
Free eStatements?
Yes
Free Checks?
First box
Free Checks?
Yes
Federally Insured Deposits through NCUA
Up to $250,000
Federally Insured Deposits through NCUA
Up to $250,000

 

Share the Wealth, and Earn $50!

When Florida Credit Union members refer a friend, they can both earn a $50 gift card. Read about our checking account referral program to learn more!
 

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.
 

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FCU Mailing Address: P.O. Box 5549, Gainesville, FL 32627   Phone: (800) 284-1144   Email: askfcu@flcu.org  
 
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