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From your morning coffee to your weekly grocery trip, earn $0.50 in cash rewards every time you make a qualifying debit card purchase of $10 or more.
Earn $0.50 in cash rewards every time you make a qualifying Floridacentral debit card purchase of $10 or more, up to $20 per month. It’s an easy way to get rewarded for your everyday spending.1
To earn your monthly cash rewards:
This account may be charged a $5.00 monthly fee. The fee will be waived when you meet any of the following conditions:
Easy Checking is available to members age 13 and older. Members ages 13–17 must have a parent or guardian on the account.
Get access to eligible direct deposits up to two business days early.2
Why wait? Your cash rewards are deposited into your account the same day you earn them.1
Open your Ea$y 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 $15,000.01 and over | 0.05% | 2.00% – 0.05% |
| Free Checking | 0.00% | 0.00% |
Perfect for members looking for simple, everyday banking.
Start building healthy savings habits with an account that grows alongside your goals.
Whether it’s your first car or your next one, we’ll help you get on the road with confidence.
Learn more about budgeting, saving, and making informed financial decisions.
Have questions about Ea$y Checking? We’re here to help you understand how the account works and how you can earn rewards on your everyday purchases.
Ea$y Checking is a checking account that rewards everyday debit card purchases. Earn $0.50 in cash rewards every time you make a qualifying debit card purchase of $10 or more, up to $20 per month, while enjoying convenient features like Early Paycheck and same-day rewards.
Simply use your Floridacentral debit card to make qualifying purchases of $10 or more. You’ll earn $0.50 in cash rewards for each qualifying purchase, up to $20 per month.
To qualify for rewards, you must:
Your cash rewards are deposited into your account the same day you earn them. There’s no waiting until the end of the month to enjoy your rewards.
Ea$y Checking includes a $5 monthly maintenance fee, but it’s waived when you meet the account qualifications. New accounts also receive a fee waiver during their first 60 days.
Opening an Ea$y 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 you move your direct deposits and recurring payments, making the transition as smooth as possible.
Ea$y Checking is a great choice if you’re looking for a simple checking account that rewards your everyday spending. You’ll earn cash rewards on qualifying debit card purchases while enjoying convenient features like Early Paycheck and same-day rewards.
Yes. Your deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law, so you can bank with confidence.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the right financial solutions for your goals.
1 When you meet the monthly qualifications for your Ea$y Checking account, Ea$y Cash Rewards accumulate and are credited to your account at the end of each day. For the Monthly Qualifications you must enroll in eStatements (this requirement is waived for members age 55 and older) and make qualifying debit card purchases of $10.00 or more. Reward Amount: Earn $0.50 in cash rewards for each qualifying debit card purchase of $10.00 or more, up to a maximum of $20.00 per month. Rewards are variable and may change after the account is opened. Transactions That Do Not Qualify: ATM-processed transactions, transfers between accounts, debit card purchases that merchants process, and Floridacentral Credit Union receives, as ATM transactions, and purchases made with debit cards not issued by Floridacentral Credit Union. Additional Terms: No minimum balance is required. Restrictions apply to discretionary Courtesy Pay. Discretionary Courtesy Pay is available only to Primary Accountholders age 18 or older. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations, and enrollment instructions. Eligibility Notice: Account approval, conditions, qualifications, limits, and other requirements apply.
2 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.
3 APY - Annual Percentage Yield. APYs are accurate as of October 21, 2026, and are subject to change without notice