Avoid high fees that other banks charge and open a truly free checking account with us today. Whether you want to earn interest or have ATM fees refunded, we have the right account for you. All of our checking accounts come with a Visa Debit Card with EMV chip technology and the option to enroll in Overdraft Protection.

Apply here to open a Checking Account

Or call 904.354.8537

Advantage Checking

Checking with a distinct advantage. The account allows you to earn dividends while having access to funds anytime. Enjoy premium interest rates on your first $500 and save money with no monthly fees.

Bonus Debit Checking

Receive cash refunds for ATM fees and enjoy the opportunity to receive bonus reward points on select purchases. As long as you reach 20 debit transactions monthly, you will benefit.

Fresh Start Checking

Designed for those who need a “fresh start” with their banking needs. This fully functioning checking account allows you to write checks, use a Visa debit card, as well as our other convenient services.

SureBalance Checking

SureBalance is true to its name. With this checking account, you will worry less about overdrafting and can have peace of mind knowing exactly what your true balance is. It’s checking made easy.

UNF VIP Checking

A special account just for UNF students. Includes all of the benefits of our regular checking accounts, plus more, just for being a student. There might even be some pizza involved. Because what’s college without free pizza?

Direct Deposit

Establishing Direct Deposit is an easy, safe way to simplify making deposits into your account.

Helpful Resources:

Checking Accounts - An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. Must be 15 years old with guardian and 18 without to apply for a checking account. Other restrictions may apply. Rates subject to change.