Business Checking


Business Checking


Avoid high fees that other financial institutions charge and open a truly free business checking account with FCU today.

We’ve listed the features of each account below so you can choose the account that best fits your needs. 

Benefits and Features of Both FCU Business Checking Accounts

No Monthly Fee

Enjoy no maintenance fees on checking accounts

No Minimum Balance

No minimum balance required to keep account active

Free Debit Card

Use your debit card to pay for purchases or access ATMs

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Easy Cash Access

Surcharge-free ATM access nationwide

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Excel-compatible Quickbooks data download


Set up email or text alerts for your account activities

Digital Banking

Bank anytime with FCU Anywhere mobile and online banking

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Free Multiple Logins

Logins can have various access levels

Your Options at a Glance

Choose between FCU's Business Value Checking or Interest-Bearing accounts, both meant to save you time and stress. 

Debit card with checking

Business Value Checking

Our Most Popular Account

This account is a simplified solution for small businesses with lower balances and account activity which includes user-friendly digital banking tools. 

  • Access to FCU Commercial Business Team
  • 225 free transactions per month
  • First box of checks free
FCU Debit Card and phone

Business Interest-Bearing Checking

Perfect for high balances

This interest-bearing option fits businesses that maintain a high balance and want to grow their money while benefiting from a wide range of free resources. Earn interest starting at a $10,000 balance.

  • Competitive interest-bearing rates
  • Access to FCU Commercial Business Team
  • Free transactions, unlimited
  • Free checks

Business Checking Features

  • Bill Pay and Remote Check Deposit¹ 
  • Automated payroll and bill management
  • Fast wire transfer capabilities
  • EMV chip and contactless technology for credit and debit cards
  • Checking overdraft protection
  • Excel-compatible and Quickbooks-compatible data downloads

FCU Anywhere on a cell phone and computer

Bank with FCU Anywhere

Anytime, Anyplace

Get easy access to your account with FCU Anywhere online and mobile banking. Download the FCU mobile app from the Android & Apple stores.

  • View balances
  • Mobile check deposits
  • Set up alerts 
  • Electronic Bill Pay
  • Use Pay-A-Person²
  • View eStatements
  • Access budget and savings tool
  • Transfer funds to internal and external accounts

Get Started Today

Online Account Opening

Complete an application online to get started

Open Now
Call 800-284-1144

Get connected with a FCU service representative

Call Now
Visit Us!

We have 12 locations in north and central Florida

Find a Branch Near You

FCU Overdraft Protection

We don’t think you should ever have to worry about insufficient funds³. To continue receiving overdraft protection, the account balance must be brought to a positive balance very 20-day period. 

We offer several options designed to protect you from budget miscalculations and NSF (Non-Sufficient Funds) fees. 

  • Transfer from a regular savings: Link your checking and savings accounts so you can transfer money from savings to cover checks and debit transactions. 
  • Coverage through a personal line of credit account:  Your checking account can be directly linked to your personal line of credit, allowing you to automatically cover checks or debit card transactions.
  • Bounce-free checking protection: With bounce-free checking protection from FCU, you can avoid the high fees and hassles that come from insufficient funds. If you overdraw your account, FCU will cover your checks⁴ and ensure your transaction goes through. There is a small fee.

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ATM Access and Rebates

There are countless other ways to access and save money with a checking account at FCU:

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 refunded⁵.

Checking FAQs

If you have ordered checks before, simply log into Online Banking and select Accounts then Check Services. You will need a checkbook from your previous order to complete the process, as well as pay a small fee. You can also call FCU at 800-284-1144 to order more checks. You may also qualify for free checks. In this case, call us directly at the number above and we'll order your new checks on your behalf.
Get paid up to two days sooner! Enjoy the convenience of having your payroll check automatically and safely deposited into your FCU account with direct deposit!

Your employer's payroll department or Government Agency will need the credit union's Routing Number (263178410) and the account number where you want your paycheck deposited into.  To find your electronic payment account number, log in to your account, select which account the money will go in, and click or tap view details.  You can also give us a call - we're happy to assist you!
Yes, if you have the funds available and choose to withdraw the funds in the form of cash, we ask that you call us 3 business days ahead of time so we can arrange to have the funds on-site. We recommend you consider taking large sums of money in the form of a certified check as this is safer than having large sums of cash on you. If you choose to take a certified check, no advance notice is needed. However, if you would like cash, call us at 800-284-1144 and provide us with the branch location, the amount, and the date you will arrive to withdraw the funds.
Yes, you can use digital wallet services with a FCU Checking Account, including Apple Pay®, Samsung Pay®, Google Pay®, Click to Pay, Fitbit Pay™ and Garmin Pay™.



Restricted transactions as defined in Federal Regulation GG are prohibited from being processed through any FCU commercial account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.

1. Subject to approval - Review our Online Business Banking Services Agreement

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

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. Once enrolled, you may opt out at any time.

5. 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 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).