Save money on fees, or earn interest on your checking deposits.


  • Choice of two accounts
  • Free online banking tools
  • ATM fee rebates
  • Free Visa® debit card

At Florida Credit Union, we know our members have different lifestyles and financial needs. That's why we offer a choice of two value-packed checking accounts. Value Checking means no monthly fee and offers convenient online banking tools and other perks. Or, you can opt for our Interest Checking, where your hard-earned money earns additional dollars before you easily access it to cover your day-to-day expenses.

Value Checking

Our most popular checking option, this non-interest bearing option provides our members with no-frills financial security, and is a great choice for nearly any member.

Interest Checking

Our interest-bearing option is ideal for members looking to keep higher balances and to grow their money while benefiting from a wide range of free services.

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Join online, anytime, and experience the credit union difference!

We offer two great checking account options, designed with you in mind. Review account features below :

  Value Checking Interest-Bearing Checking
Summary Enjoy financial security backed by local service since 1954 with an account that covers banking essentials – all with no minimum balance requirement and no monthly fee! For members looking to maintain higher balances, yet also seeking flexible access to funds. Grow your money with us and take advantage of our available free services.
  • Simplified checking solution
  • No minimum balance requirement
  • No monthly fee
  • Competitive interest-bearing account to grow your balance
  • $10,000 minimum balance requirement
  • Rates tiered at $10,000, $25,000 and $50,000
  • No monthly fee
Free Online Banking and Bill Pay? Yes Yes
Member-to-member transfer? Yes Yes
Person-to-person transfer? Yes with Pay a Person electronic payment solution Yes with Pay a Person electronic payment solution
Free Visa® Debit Card? Yes, with chip technology (Replacement fees may apply) Yes, with chip technology (Replacement fees may apply) 
ATM transactions 8 Free Per Month Unlimited
Free eStatements? Yes Yes
Free Checks? First box Yes
Federally Insured Deposits through NCUA Up to $250,000 Up to $250,000

No matter which Florida Credit Union checking account you choose, you'll be able to perform plenty of financial tasks - most for free - with our online banking tools, mobile banking app and Visa® debit card with chip technology and Verified by Visa® protection.

  • Online eStatements
  • Transfers between FCU accounts
  • Bill Pay
  • Mobile check deposits
  • Online cleared-check imaging
  • Budget planning tools
  • Use Pay a Person* (formerly Popmoney®) to send and receive money with just about anyone online

Please see the links below to download the FCU app:

Get it on Google PlayDownload on the App Store

Switching your checking account from one financial institution to another can be stressful. Now you can easily move your recurring payments and direct deposits to your account at Florida Credit Union - all with the click of a mouse. With ClickSWITCH™, account information is transferred instantly. It's fully automated, convenient and takes as little as 10 minutes. To learn more, visit our ClickSWITCH™ page

There are countless other ways that your Florida Credit Union checking accounts allow you to access - and to save - money.

Use your Visa® debit card to withdraw funds at thousands of fee-free ATMs on the STAR network and the Publix Super Market-affiliated Presto! network or through Florida Credit Union ATM locations finder. Under our rebate program, most ATM fees will be refunded to your account.**

When you use your FCU Visa® debit card at most retail stores, you have the option to receive cash back, at no extra charge.

With a checking account at Florida Credit Union, you never have to worry about non-sufficient funds***. We offer several options designed to protect you from NSF fees. Click here for more details on your overdraft protection options. 

This line of credit provides quick, convenient ways to access your money, giving you added spending power when you 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 help with large purchases. Your checking account can be directly linked to your personal line of credit, so you can easily access it when you write a check or use your debit card. In addition, your personal line of credit is linked to FCU’s Online Banking services, which allows you to transfer money easily. You can also visit our overdraft protection page for a more thorough rundown of how this process works. 

You also have the option to link your checking and savings accounts so you can pull money from savings to cover checks and debit transactions.

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. If you overdraw your account, FCU will pay for your checks**** and ensure your transaction goes through.


* Pay A Person electronic payment available with Bill Pay. 

** 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. Receipts can be mailed to: P.O. Box 5549, Gainesville, FL 32627; please include account owner's full name with receipt(s).

*** Charge and limits will apply. The account balance must be brought to a positive balance every 20-day period. While FCU will typically pay overdrafts on accounts in good standing, payment is a discretionary courtesy, and not a right or obligation. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. FCU may, in our sole and absolute discretion, cease paying overdrafts at any time without prior notice of reason or cause. Please review important disclosures in the Membership Agreement. Refer to the FCU Fee Schedule for more information.

**** Continued enrollment subject to approval and subject to change. Checks are paid as long as Bounce Free 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. Refer to the FCU Fee Schedule for more information. Opt out options available.

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