Compare Our Accounts

Cash Back Checking:

*When your Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, the cash back rewards will be distributed to your account. The cash back reward rate may change every reward period.  We may change the cash back reward rate as determined by our board of directors.  There is no minimum or maximum cash back reward rate for this account.  Cash back rewards will be credited to your account on the last day of every month. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The rewards are variable and may change after account is opened. Account approval, conditions, qualifications, limits, and other requirements apply. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.

Monthly Account Fee: This account may be charged a $5.00 monthly fee. This fee will be waived under any of the following conditions:

• The first 60 days for new accounts, or
• The primary member is under the age of 24, or
• The cumulative monthly average balance of $500 or more across all checking, savings, IRAs, Certificate of Deposit, and Christmas Club accounts, or
• Monthly direct deposits total $500.00 or more in savings and checking accounts, or
• Have an active loan, mortgage, or credit card. The Line of Credit (LOC) and Home Equity Line of Credit (HELOC) must have a balance. Credit cards must have a balance or a transaction in the last three (3) billing cycles.

^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.

^^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.

Interest Checking:

*APY = Annual Percentage Yield. APYs are accurate as of April 14, 2025, and are subject to change without notice. When your Interest Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account: 1) Up to $25 in ATM fee refunds. 2) Balances up to $15,000 in Interest Checking will receive 2.00% APY; balances $15,000.01 and over in Interest Checking will earn 0.05%, resulting in a range from 2.00% - 0.05% APY on balances over $15,000. A blended yield based on balances up to $15,000 plus $100,000 is 0.34% APY. For Interest Checking, dividends and ATM refunds will be posted to your account on the last day of the month. Unless otherwise withdrawn, dividends will compound every month. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, and other requirements apply. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.

Monthly Account Fee: This account may be charged a $5.00 monthly fee. This fee will be waived under any of the following conditions:

• The first 60 days for new accounts, or
• The primary member is under the age of 24, or
• The cumulative monthly average balance of $500 or more across all checking, savings, IRAs, Certificate of Deposit, and Christmas Club accounts, or
• Monthly direct deposits total $500.00 or more in savings and checking accounts, or
• Have an active loan, mortgage, or credit card. The Line of Credit (LOC) and Home Equity Line of Credit (HELOC) must have a balance. Credit cards must have a balance or a transaction in the last three (3) billing cycles.

^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.

Ea$y Checking:

*When your Ea$y Checking account qualifications are met each day, the Ea$y Cash Reward will be distributed to your account. The Ea$y Cash Reward may change every reward period.  We may change the the Ea$y Cash Reward as determined by our board of directors. Ea$y Cash Rewards will be credited to your account at the end of every day. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Daily Qualification Cycle in order to qualify for the account’s rewards. The rewards are variable and may change after account is opened. Account approval, conditions, qualifications, limits, and other requirements apply. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Discretionary Courtesy Pay is only available for Primary Accountholders 18 years of age and older. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.

Monthly Account Fee: This account may be charged a $5.00 monthly fee. This fee will be waived under any of the following conditions:

• The first 60 days for new accounts, or
• The primary member is under the age of 24, or
• The cumulative monthly average balance of $500 or more across all checking, savings, IRAs, Certificate of Deposit, and Christmas Club accounts, or
• Monthly direct deposits total $500.00 or more in savings and checking accounts, or
• Have an active loan, mortgage, or credit card. The Line of Credit (LOC) and Home Equity Line of Credit (HELOC) must have a balance. Credit cards must have a balance or a transaction in the last three (3) billing cycles.

^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.