FCU Checking Accounts
Have it all - Value and Interest-Bearing Options
Avoid the high fees other financial institutions charge and open a truly free 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.
Take advantage of our two checking account related promos currently available!
$300 Checking Bonus¹
Get $300 deposited in your account when you:
- Open a free personal full-service checking account.
- Make a single or combined direct deposit of $500 within 60 days of opening, and
- Keep account open for at least 90 days.
- Use promo code: 25CHK300
Pair Up for a $600 Bonus²
up to $600 bonus deposited in your checking account when you:
-
Open and qualify for the checking bonus
-
Open a new 13-month CD at 4.25% APY3, and
- Deposit $25,000 or more in new money.
- Use promo code: 25SUMMERBONUS
Features and Benefits of FCU Checking Accounts
Your Options at a Glance
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 Account
- Free bill pay
- Free Visa® debit card
- Overdraft protection
- Free first box of checks
Interest Checking
Perfect for high balances
- Competitive interest-bearing rates
- Free online and mobile banking
- Free bill pay
- Free Visa® debit card
- Unlimited free checks
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-Person5
- View eStatements
- Access budget and savings tool
- Transfer funds to internal and external accounts
Get Started Today
FCU Overdraft Protection
We don’t think you should ever have to worry about insufficient funds. Overdraft protection is a pre-arranged coverage for any overdrafts approved by FCU that may occur based on your actual or available balance. We offer several options designed to protect you from budget miscalculations and NSF (Non-Sufficient Funds) fees6.
- 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 checks, ATMs or point-of-sale transactions, and electronic transfers (ACH)7 to ensure your transaction goes through. There is a small fee.
Switching is Easy with ClickSWITCH®
Switching your checking account from one financial institution to another can be stressful, but it doesn’t have to be with ClickSWITCH®. Easily move recurring payments and direct deposits with the click of a mouse. ClickSWITCH® is fully automated, convenient, and takes as little as 10 minutes to set up.
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 refunded8.
Checking FAQs
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!
DISCLOSURES
1. Offer can be canceled at any time. Free membership is open to anyone within Florida Credit Union’s 48 county field of membership. Anyone who has held a checking account with FCU in the past 24 months will not qualify for the incentive. Must be 18 years old or older to qualify. One per household. Credit approval and initial $5 open deposit required. $500 cumulative direct deposit amount must be made to this account within the first 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefit (such as SSI) from your employer or the government. Person-to-person payments (such as Cash App, Venmo, or PayPal) are not considered a direct deposit. If the requirements are met and the account remains open and in good standing for 90 days, the $300 bonus will be credited to the account. $300 is considered interest and will be reported on IRS form 1099-INT. Prior terms subject to change. Full-service checking includes direct deposit, Visa debit card, online banking, and eStatements.
2. To receive the $300 CD bonus, you must qualify for the $300 checking bonus and open a new 13-month Certificate of Deposit (CD) with a minimum deposit of $25,000. Must be funded with money currently not on deposit at Florida Credit Union. The CD must be opened between July 28 and August 31, 2025, and remain open for the full term. If both the checking and CD account requirements are met and accounts remain in good standing for 90 days, the $300 bonus will be credited to the checking account. Bonus is considered interest and will be reported on IRS Form 1099-INT. Early withdrawal penalties may apply, in addition, if the 13-Month Promotional CD is closed for any reason before the maturity date, you will be required to reimburse the full $300 CD bonus back to Florida Credit Union. CD must be opened within 30 days of the checking account opening date to be qualified for the promotion.
3. Annual Percentage Yield (APY) is accurate as of 07/22/2025. Limited time offer subject to change at any time without notice. See share certificate agreement for current rates, terms and requirements. Minimum balance required to open share certificate varies per certificate with a maximum of $5,000,000. After maturity, if you choose to roll over your CD, you will earn dividends according to the CD agreement or at the then current APY as stated on www.flcu.org at that time. A penalty may be imposed for early withdrawals which may reduce earnings. Fees may reduce earnings.
4. You will be paid at least one calendar day early with payroll direct deposit but there may be instances where you are paid two to three calendar days in advance of your payday. Posting dates and times for Early Posted Paycheck can vary depending upon when Florida Credit Union receives the information for your payroll, therefore we cannot guarantee early processing.
5. Pay A Person electronic payment available with Bill Pay.
6. Charges and limits will apply. As a condition of overdraft protection coverage, 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.
7. 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 or ACH will apply. Refer to the FCU Fee Schedule for more information. Once enrolled, you may opt out at any time. Please review important disclosures in the Membership Agreement. Refer to the FCU Fee Schedule for more information.
8. 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. Receipts can be mailed to: P.O. Box 5549, Gainesville, FL 32627; please include account owner's full name with receipt(s).