Save money on fees, with an interest-earning option
  • 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 let you choose how you get to save and spend… choose from our two value-packed checking accounts:

Value Checking

Our most popular checking option, this non-interest bearing option means no monthly fee, convenient online and mobile banking, and access to financial resources. It comes loaded with benefits and provides members with no-frills financial security; a great choice for nearly any member.

Interest Checking

Let your hard-earned money earn additional dollars while still providing access to funds to cover day-to-day expenses. This interest-bearing option is ideal for members looking to keep higher balances and grow their money while benefiting from no monthly fee and 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 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.

Rates tiered at $10,000, $25,000 and $50,000

  • Simplified checking solution
  • No minimum balance requirement
  • No monthly fee
  • Access to products and services
  • Competitive interest-bearing account to grow your balance
  • $10,000 minimum balance requirement
  • 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 Person1 electronic payment solution Yes with Pay a Person1 electronic payment solution
Free Visa® Debit Card? Yes, with EMV chip technology and contactless card technology (Replacement fees may apply) Yes, with EMV chip technology and contactless card technology (Replacement fees may apply) 
ATM transactions 8 free per month with ATM reimbursement 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 checking account option you choose, you'll be able to perform plenty of financial tasks – with our online banking tools and easy to use mobile banking app 

  • eStatements
  • Transfers between FCU accounts and accounts from other financial institutions
  • Electronic Bill Pay
  • Mobile check deposits
  • Online cleared-check imaging
  • Budget planning tools and resources
  • Use Pay a Person1 (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. It doesn’t have to be, with ClickSWITCH™.  Easily move recurring payments and direct deposits - all with the click of a mouse.  ClickSWITCH™, is fully automated, convenient and takes as little as 10 minutes. Learn more about ClickSWITCH™

In addition to accessing any of the 13 Florida Credit Union ATMs, use your Visa® debit or ATM card to withdraw funds for free at any of the Publix Super Market-affiliated Presto! network ATMs. With the Pulse Network, you have access to 400,000 ATMs nationwide. Under our rebate program, most ATM fees will be refunded.2

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

We don’t think you should ever have to worry about insufficient funds³, that’s why we offer several options designed to protect you from NSF fees. Learn more about overdraft protection options.

A line of credit gives you quick, convenient access your money, providing 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 your next payday and, depending on the limit, can help with large purchases. Your checking account can be directly linked to your personal line of credit, allowing you to automatically cover checks or debit card transactions. In addition, your personal line of credit is accessible from online and mobile banking, allowing you to transfer money quickly.

Visit our overdraft protection page for a more thorough rundown of how this process works. 

Link your checking and savings accounts so you can transfer 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 fees and the hassles that come from insufficient funds. If you overdraw your account, FCU will cover your checks⁴ and ensure your transaction goes through.


1. Pay A Person electronic payment available with Bill Pay. 

2. 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).

3. 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.

4. 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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Mobile Deposit

Deposit checks with our app and a couple of quick snaps.

Online Bill Pay

Pay your bills quickly and efficiently using our Online Bill Pay.