With the rise of online-only banking and person-to-person (p2p) payment apps, some believe that checking accounts are obsolete. Since writing checks isn't as prevalent, you may be wondering if you really need a checking account. The truth is, when it comes to managing your finances, checking accounts continue to be the cornerstone to a healthy financial plan.
Refashion Your Thinking Around Checking Accounts
Instead of...
I don't write checks so I don't need a checking account.
Think of a checking account as...
A deposit account
A spending account
A secure place to keep your money before you need it
How A Checking Account Can Help You Build Your Financial Plan
A Checking Account is headquarters for your finances
With a checking account you can easily add and withdraw money and track your spending. Having a checking account can also help you better understand your wants and needs so you can create a budget that will help you save for the future and establish healthy money habits.
Gain easy access to your money
Since your checking account is a hub for your finances, it gives you acess to your money. With a debit card you can make payments in-store or online and get cash out when you need it. Your checking account can be used with digital wallet services like Apple Pay, Google Pay, Samsung Pay, and cash payment apps. Plus, you can easily manage your finances any time and anywhere with Members First Credit Union of Florida's Internet Banking and Mobile banking app. Pay all your bills in one place with Internet Bill Pay — set up automated one-time or recurring payments, payment reminders, and more.
Develop a financial partner
Your checking account helps you develop a financial partner that you can trust and go to when you need budgeting resources, credit counseling, auto loans, home loans, low-interest credit cards, debt consolidation, retirement planning services, and more.
Members First Credit Union of Florida Checking Account Options
We have the right checking for you! Each of our checking account options come with unique features built to enhance your lifestyle.
Regular Checking
$0 Minimum Deposit to Open
$0 Maintenance Fee
Free Debit Card
Free Internet and Mobile Banking
Free CardValet App — Lock/Unlock your debit card, set spending limits, and more
Courtesy Pay Upon Approval
Select Checking
Earn Monthly Dividends
$1,000 Minimum Deposit to Open
$0 Maintenance Fee*
Free Debit Card
Free Internet and Mobile Banking
Free CardValet App — Lock/Unlock your debit card, set spending limits, and more
Courtesy Pay Upon Approval
*Free with $1,000 balance. If balance is lower than $1,000 there will be a $10/month maintenance fee.
Second Chance Checking*
Gives You A Second Chance
$0 Maintenance Fee
$12/month Maintenance Fee
Free Debit Card**
Free Internet and Mobile Banking
Free CardValet App — Lock/Unlock your debit card, set spending limits, and more
*Subject to approval. Offer extended to members in ChexSystems due to Non-Sufficient Funds (NSF) activity only. Member's account must have been paid for at least 90 days before Second Chance Checking will be approved. Member may request a Regular Checking account after 12 successful months with no NSFs or overdrafts on the account.
**ATM privileges limited to $500 online and $100 offline.
For further information on all Credit Union deposit accounts, please refer to our Account Disclosures, give us a call at (850) 434-2211, or stop by one of our branch locations.
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