FLCU-Florida Credit Union- Checking

Florida Credit Union knows that a checking account is your most important money management tool, so we've filled ours with free services that can save you time and simplify your life.

Florida Credit Union offers a variety of checking options- a unique combination of the checking services you need with an easy way to avoid fees you don't need.

Ready to make the switch from your current financial institution? Click here for an easy kit to get started!

All FCU Checking Accounts come with:
• Bounce-Free Protection¹
• ATM Rebates²
• Free Overdraft Protection Loan³
• Free VISA® Debit Card
• Free Internet and phone Banking
• Free Online Bill Payer
• Free First Box of Checks
• Free Credit Report Analysis

Checkbook Balancing Tools

¹Continued enrollment subject to approval, and subject to change. A $45 charge per bounced check or overdrawal at an ATM and/or point-of-sale will apply. ²Offer good on all Florida Credit Union Checking and Savings accounts. Must submit receipts within 90 days of surcharge for rebate to be processed. FCU transaction fees may apply. International fees not eligible. Refer to the FCU fee schedule for additional information. ³For qualifying members.

Open a checking account | Reorder Checks | View current rates | Make the Switch!

Checking with Bounce-Free Protection!

Now is the time to open a Florida Credit Union Checking Account with Bounce-Free Protection!

• Generous Bounce-Free Protection is available for qualifying members*

• No per check charge

If your paycheck doesn't post, or even if you forgot to write a transaction in your ledger, you have Bounce-Free Protection by your side. Already have a Florida Credit Union checking account? Sign up for direct deposit through your FCU account, and you're automatically enrolled in Bounce-Free Protection.

What is Bounce-Free Protection?

Your paycheck arrived late - why should you be punished?

Avoid multiple fees and embarrassment with bounce-free checking options* from Florida Credit Union. All FCU checking accounts are eligible* for this valuable protection. As a courtesy to our members, if you accidentally overdraw your account, Florida Credit Union will pay your checks**, so you won't have to worry about checks being returned.

FCU will process your check as if there were available funds! The person or business you wrote the check to will never know there weren't available funds. Avoid sky-high fees and embarrassment. Take advantage of Bounce-Free Protection today when you open a Florida Credit Union checking account.

Call your local office today for additional information.

*Continued enrollment subject to approval, and subject to change. Opt-out options available. A $45 charge per bounced check or overdrawal at an ATM and/or point-of-sale will apply.
** For qualifying members. Up to your bounce-free limit of $1000 ($500 if under 23 years of age).

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a ‘‘noninterest-bearing transaction account’’ are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules.

The term ‘‘noninterest-bearing transaction account’’ includes a traditional checking/share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (‘‘NOW’’) account, money market deposit account, and Interest on Lawyers Trust Account (‘‘IOLTA’’), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

	Value Checking Package	Senior Checking Package (50 and over)	Youth Account	Checking Plus Package	Super Service Checking Package	Super Money Market Checking Package	Pinnacle Checking Package
Package Services
Minimum Balance				$1,000	$2,500	$10,000	$25,000
Interest Bearing¹	View Current Rates here			Competitive Rate	Good Rate	Better Rate	Best Rate
No Per Check Fee
Same Day Credit
Free Check Printing²	First 50 Checks	First 50 Checks	First 50 Checks	First 50 Checks	3 Boxes Per Year
ATM Rebate
Free Overdraft Protection Line of Credit or VISA Debit Card³
Free ATM Card
Free Visa Debit Card³
Unlimited Point-of-Sale Transactions
Free ATM Transactions	8	8	8	8	Unlimited	Unlimited	Unlimited
Convenience Services
Free FCU At Home
Free Bill Payer
Free Info 24
Free Direct Deposit/ Payroll Deduction
Package Bonuses
CD Bonus		.10% APR			.10% APR	.15% APR	.25% APR
Free Safety Deposit Box		$10 Discount			1 Year	1 Year
Free Travelers Checks
Free Money Orders
	Value Checking Package	Senior Checking Package (50 and over)	Youth Account	Checking Plus Package	Super Service Checking Package	Super Money Market Checking Package	Pinnacle Checking Package
1 Rates subject to change. 2 FCU Exclusive Checks only. 3 Subject to credit approval. 4 Does not include ATM surcharges from other financial institutions or ATM networks. 8 free ATM transactions per month, $1.00 each thereafter. Unlimited ATM transactions per month for aggregate average monthly share/deposit account balances over $2,500.00. 5 One bonus increase per household and bonus increases cannot be combined with other FCU promotional CD offers. 6 Located at the 43rd Street and Advantage Center at Silver Springs locations. Subject to availability.