lady on a cell phone accessing checking account

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.

Features and Benefits of FCU Checking Accounts

No Monthly Fee

Enjoy no maintenance fees on checking accounts

Open an Account
No Minimum Balance

No minimum balance required to keep account active

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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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Early Pay

Get paid up to 2 days early with direct deposit

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Set up email or text alerts for your account activities

Login to FCU Anywhere
Digital Banking

Bank anytime with FCU Anywhere mobile and online banking

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Credit Score Alert

Monitor your FICO® score monthly for free

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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.

Debit card with checking

Value Checking

Our Most Popular Account

Our most popular checking option, this non-interest bearing account comes loaded with benefits and provides members with no-frills financial security. Free online and mobile banking included.
  • Free bill pay
  • Free Visa® debit card 
  • Overdraft protection
  • Free first box of checks
FCU Debit Card and phone

Interest Checking

Perfect for high balances

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. Earn interest starting at a $10,000 balance.
  • Competitive interest-bearing rates
  • Free online and mobile banking
  • Free bill pay
  • Free Visa® debit card 
  • Unlimited free checks
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-Person1
  • 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 13 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 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) fees2

  • 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)3 to ensure your transaction goes through. There is a small fee.

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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 refunded4.

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™.


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

2. 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.

3. 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.

4. 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).