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Earn 2% cash back on eligible debit card purchases and enjoy features that make everyday banking more rewarding.
Earn up to $300 in cash back each year just by using your Floridacentral debit card for everyday purchases.
Receive 2% cash back on eligible debit card purchases, up to $25 per month ($300 annually).
To earn your monthly cash back rewards:
This account may be charged a $5.00 Monthly Fee. This fee will be waived when you meet any of the following conditions:
Get access to eligible direct deposits up to two business days early.1
Turn everyday purchases into savings by automatically rounding up debit card transactions and transferring the difference to your savings account.2
Open your Cash Back Checking account with no minimum opening deposit.
Get Started| Account Type | Rate | APY3 |
|---|---|---|
| Cash Back Checking | 0.00% | 0.00% |
| Ea$y Checking | 0.00% | 0.00% |
| Interest Checking balances of $0 – $15,000 | 1.98% | 2.00% |
| Interest Checking balances of $15,000.01 and over | 0.05% | 2.00% – 0.05% |
| Free Checking | 0.00% | 0.00% |
These products help members maximize the value of their everyday spending.
Earn rewards on purchases and unlock even more value every time you spend.
Put your cash back to work with a savings account designed to help your money grow.
Explore calculators, articles, and resources to help you make confident financial decisions.
Have questions about our checking accounts? We’re here to help make the process simple.
Cash Back Checking is a checking account that rewards you for the purchases you already make. Earn 2% cash back on eligible debit card purchases, up to $25 per month ($300 annually), while enjoying convenient features like Early Paycheck and Debit Round Up.
Cash Back Checking lets you earn rewards on everyday debit card purchases while giving you the convenience of a full-featured checking account. With cash back, Early Paycheck, Debit Round Up, and no minimum opening deposit, it’s designed to help you get more from your everyday banking.
To earn your monthly cash back rewards, simply:
When you meet these monthly qualifications, you’ll earn 2% cash back on eligible debit card purchases, up to $25 per month, and your $5 monthly maintenance fee is waived.
Cash Back Checking includes a $5 monthly maintenance fee, but it’s easy to avoid. The fee is waived each month when you meet the account qualifications. New accounts also receive a fee waiver during the first 60 days.
Opening a Cash Back Checking account is simple. You can apply online, schedule an appointment, or visit any Floridacentral branch. There’s no minimum opening deposit required.
Yes. Switching your checking account is easier than you might think. We’ll help make the transition smooth by assisting with direct deposits and recurring payments, so you can start enjoying your new account with confidence.
As a member-owned credit union, Floridacentral is committed to helping members reach their financial goals. We combine competitive products, personalized service, and local expertise to help you find your financial direction and live your best Florida life.
Yes. Your deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law, so you can bank with confidence.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the checking account that’s right for you.
1 Early Paycheck is available for members who have set up direct deposit with their employer or other payers to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payer’s payment instructions, and therefore you may not always see your direct deposits arrive early. Terms are subject to change without notice.
2 Debit Round Up is an optional feature that helps you save effortlessly. To participate, you must actively enroll in the program. Once enrolled, each debit card purchase will be rounded up to the nearest dollar, and the difference will be transferred into your designated savings account. All debit cards linked to your checking account will be included in this program. Only point-of-sale debit card purchases qualify for the round-up; ATM transactions, ACH transfers, bill payments, and checks are excluded. Round-up amounts are aggregated daily and transferred as a single transaction to your savings account at the end of each day. If your checking account lacks sufficient funds on the day of the transfer, the round-up for that day will be skipped. In the event of a purchase reversal, the corresponding round-up transfer will remain in your savings account. Floridacentral Credit Union reserves the right to modify or cancel the Debit Round Up program at any time without prior notice. Terms are subject to change without notice.
3 APY - Annual Percentage Yield. APYs are accurate as of October 21, 2026, and are subject to change without notice