Ultimate Checking

Enjoy free unlimited checking, competitive rates, and ATM fee refunds nationwide* when you have a loan with floridacentral for $5,000 or more.


If you have a floridacentral loan of $5,000 or more, this free checking account is the one for you! It earns you a world-class rate and provides unlimited checking, with no monthly service fees or minimum balance requirements to earn rewards. You even get ATM fees refunded* each monthly qualification cycle! And the qualifications are so easy you probably already qualify!

  • 1.75% APY* on balances up to $50,000
  • 1.75% to 2.00% APY* on balances $50,000.01 and over depending on balance in account*
  • 1.25% APY* if loan qualifications are not met but other three qualifications are met on balances up to $50,000
  • 1.25% to 1.50% APY* on balances $50,000.01 and over depending on balance in account*
  • 0.01% APY* if qualifications are not met
  • Unlimited ATM fee refunds nationwide*
  • Unlimited check/debits
  • No minimum balance to earn rewards
  • No monthly service fees
  • Free mobile banking
  • Free online banking & bill pay
  • Free eStatements
  • Free MasterCard® debit card
  • Unlimited Member Services Call Center access
  • Unlimited Call 24 telephone banking
  • Overdraft Privilege of up to $700*
  • NCUA insured up to $250,000

Getting your rewards is easy

To receive the ultimate return of 2.00% APY* and ATM fee refunds,* simply do the following transactions and activities in your checking account each monthly qualification cycle: 

  • Have at least 12 debit card purchases that post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and receive eStatement notice
  • Have loan balances of $5,000 or more

And hey, if you don't qualify in a given cycle, don't you worry - you still get unlimited check and debit card transactions plus our base rate of 0.01% APY*. And you can get the Ultimate Rewards back the very next cycle you qualify!

*APY=Annual Percentage Yield. Rates are subject to change without notice. Rates effective 12.31.2018. The qualifiers for each monthly qualification cycle to receive 2.00% APY (Annual Percentage Rate is 1.98%) and ATM refunds are: at least 12 Check Card transactions settle to the checking account during the qualification cycle, have at least one automatic payment or direct deposit post and clear the checking account, enroll in and receive eStatements, and have combined loan balances of $5,000 or more, excluding credit cards and secondary market mortgages. Balances up to $50,000 receive APY of 1.75%; balances $50,000.01 and over earn 2.00% APY on portion of balances $50,000.01 and over, resulting in 1.75% - 2.00% APY depending on the balance. If loan qualifier is not met during the monthly qualification cycle, but the first 3 qualifiers are met, members will earn 1.50% APY (Annual Percentage Rate is 1.49%) and ATM refunds. Balances up to $50,000 receive APY of 1.25%; balances over $50,000 earn 1.50% APY on portion of balances $50,000.01 and over, resulting in 1.25% - 1.50% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. ^ATM fees are refunded at the end of each statement cycle if requirements are met during the monthly qualification cycle. Restrictions apply on discretionary Overdraft Privilege.