FCU4U Checking

dancing student

Get $300 when you open a checking account

with qualified activities1

Keep your cash safe and add a bonus to your balance with fee-free checking from Florida Credit Union. It's this easy:


Use promo code: 24CHK300

Get to know your new favorite financial tool

Making your own money moves doesn't have to be complicated. In fact, there's not even a need for extra fees. When you're getting your financial footing, you need a do-it-all checking account that keeps your money safe and at your fingertips. Plus, a few extra perks don't hurt.


No Monthly Fee

You'll never pay a monthly maintenance charge

No Minimum Balance

No required minimum to maintain your account

Free Debit Card

Make purchases and withdrawals with a free debit card

Widespread ATM Access

Access ATMs nationwide without surcharge fees

Get Paid Early

Receive your direct deposits up to 2 days sooner

Account Alerts

Set up email or text notifications for account activity

Bank Anytime, Anywhere

Our mobile and online banking gives you 24/7 account access

Free Credit Score

Check your FICO® credit score every month at no cost


Steps to open your account

Grab your ID

You'll also need your address and social security number

Kick back for 10 minutes

Get comfy to fill out a few questions

Get your new account

Take care of everything online or on your phone

Other options to open your account

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

But don't just take our word for it...

Jenny K.

"EXCELLENT SERVICE! I walked in to open a new checking account because they were offering a $300 bonus for new account sign up. Doreet was courteous, professional, and efficient!! So easy to open a new account. Excellent, convenient location. Highly recommend."


Limited time offer that can be cancelled at any time. Free membership is open to anyone within Florida Credit Union’s 48 county field of membership. Credit approval and initial $5 open deposit required. 

1. Anyone who has held a checking account with FCU in the past 24 months will not qualify for the incentive. Must be 18 years of age or older to qualify for this offer.  $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 reward will be made available to the member. $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. Cash back bonuses are considered interest and will be reported on IRS form 1099-INT.

Community-first, always

Florida Credit Union has been serving our community for over 70 years. As a not-for-profit financial institution, our focus is on enriching our members' lives, not maximizing profits. We take pride in making the communities we serve better places to live, work, and play.