Open & Get $200
Earn $200* with a free Checking account!
Use code FREECHECK when applying online.

SureBalance Checking

Bank confidently knowing exactly what your true balance is with our SureBalance Checking account.

Looking for something different? Explore our other great account options.

Youth Advantage Checking (ages 13-17)

With our special Teen Checking2 accounts, access to our moveUP Financial Wellness Program, and much more, your teen is in the right hands to becoming financially independent and have the freedom to manage their money the right way.

Advantage Checking

With our Advantage Checking3 account, you’ll earn interest on your entire checking account balance and a premium interest rate on your first $500, with no monthly maintenance fees.

Bonus Debit Checking

With this free Bonus Debit Checking4 account, you’ll earn points on select debit card purchases that you can redeem for gift cards, travel, event tickets, and more. Plus, you can get out-of-network ATM fees refunded.

Money Market

Get rewarded for growing your savings balances. Our Money Market5 Account features a tiered-rate structure, so you earn a higher interest rate as you increase your balances.

Special Purpose Savings Account

Whether you're saving for a vacation, holiday shopping, or a down payment on a car, our Special Purpose Savings Account helps you meet all your savings goals.


Am I eligible for membership at Community First Credit Union?

Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia.

Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to select employer groups, including employees of Brooks Rehabilitation, Miller Electric Company, and Not sure if you qualify? Contact us.

SureBalance Checking Account Clarity Statement

Your SureBalance Checking Account

When you are approved for a SureBalance Checking Account, the credit union will automatically issue you a Visa Debit Card that may be used for Point-of-Sale (POS) purchases and ATM transactions including deposits and withdrawals. Your debit card is not associated with a rewards program.

Authorization Holds for Debit Card Transactions

The available balance in your account plays a significant role in the functionality of your account. The available balance will determine if you have sufficient funds in your account at the time of authorization. When you make a purchase with your debit card, the merchant may seek the credit union’s prior authorization for the transaction. We may place a hold against some or all of the funds in the account linked to your debit card if and when an authorization request is obtained. This authorization hold will be subtracted from your available balance (generally in real time as they are received by the credit union throughout the day). The amount of the authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted (such as gas station, restaurants, and other service industry purchases).

The credit union will place a debit card authorization hold on your account for up to three (3) business days from the time of the authorization.  Please note most transactions post to your account and release the authorization within 24 hours.

Effect of Holds on Your Available Balance and Overdrafts.  Holds placed on your account for pending electronic transactions, such as hotel or rental car deposits, holds placed on any deposits to your account, any pledges of your account and any minimum account balance requirements may reduce your available balance and may cause your account to become overdrawn regardless of your actual balance.  The Credit Union can decide whether an overdraft occurs based on your available balance or your actual balance as determined by the Credit Union in its sole discretion from time to time.  However, you should assume that any item which would overdraft your account based on your then-current available balance may create an overdraft.

Other Terms and Conditions

You may not order personal checks to draw against your SureBalance Checking Account. You may use our Online Banking service to check on your account balance, transfer funds, set up account alerts, and other financial management programs. Additionally, you can use other Online Banking services such as online Bill Pay. Overdraft Privilege is not available with your SureBalance Checking Account. You are responsible for all transactions you authorize, including any ACH transactions or payments you unintentionally or inadvertently authorized, and any losses, charges or penalties incurred as a result.

To help you avoid overdrawing your account, check and ACH transactions will be declined and returned unpaid when you don’t have enough money in your account. This may cause your account to have a negative balance and/or incur a non-sufficient fee. It is very important to understand that you may still overdraw your account even though the available balance appears to show there are sufficient funds to cover a transaction.

In most cases, this account will prevent you overdrawing; however, your account could still have a negative balance if:

  • Your debit card is used to pay for a meal and then a tip is added to the authorized amount that appears on your receipt
  • Your debit card is used to purchase gas at the pump and is authorized for $1 first, then the full amount is charged after you pump the gas
  • Any previous deposit to your account is returned unpaid or otherwise reversed from your account

You may incur fees related to this account, including but not limited to our normal checking account fees, online banking fees, and non-sufficient funds fees. Please see the Consumer Fee Schedule for the current fees that may apply to your account. 

Your use of your SureBalance Checking Account is governed by the terms of this Clarity Statement and the Consumer Membership Agreement. Please refer to the Consumer Membership Agreement for additional terms related to your SureBalance Checking Account.

Debit Card Fraud Alerts

Your best defense against fraud

Community First monitors fraudulent or suspicious account activity and may proactively contact a member about this activity, we will never call and ask for confidential information such as your entire account number or PIN.

Contact 904.354.8537 if you have provided confidential information.

How it works:

The system allows you to receive automated fraud alerts, text messages, emails, and even automated calls that easily walk you through reviewing suspicious activity on your card.

Our system enables:

  1. Immediate alerts - When suspicious activity has been detected on your account, we don’t wait for an agent to dial your number – our automated system will contact you by text, phone or email.
  2. 2-Way Communication - You can take action the second you receive your alert – by texting the provided command word, or interacting with the automated system on the phone; simply follow the instructions to answer questions regarding your recent card activity.
  3. Real-time Support - Our live agents are ready to assist you at any time to ensure you receive the best defense exactly when you need it.You do not need to register for this service, alerts will be sent to you automatically. Please review and update your mobile phone number and email address in Online / Mobile Banking, so we can send you important fraud alerts about your account.
How do I open a Checking Account?
You can open a Checking Account Online, in a branch, or call 904.712.2822.
What do I need to open a Checking Account?
To open a Checking Account, you'll need:
  • Your social security number
  • A valid U.S. driver’s license, passport, or state ID
  • If this is your first account with Community First Credit Union, an initial deposit of $5 in a Share Savings Account is required to establish membership.
  • Account information to fund the new account (credit, debit, or a U.S. bank account).
Can I write checks with a SureBalance Checking account?

You cannot write checks with a SureBalance Checking account. However, you can easily transfer money and pay bills using our free Online and Mobile Banking services.

Looking for an account with check-writing capabilities? Consider our Advantage Checking or Bonus Debit Checking options—both are free to open with no monthly maintenance fees.

What is the Save My Change program, and how do I enroll?

The Save My Change program*** allows you to save every time you swipe your debit card. When you enroll, we automatically round up your debit card purchase to the nearest whole dollar amount and put the change in the savings account of your choice.

Essentially, Save My Change is the equivalent of a change jar for your debit card. You can easily enroll by opting into Save My Change in Online or Mobile Banking.

Log into Online Banking or our Mobile Banking app.

  • Navigate to the menu and select Account Management
  • Click or tap Save My Change and enroll

That’s it. Now, you'll save every time you swipe the debit card for your enrolled Checking account. Don’t forget to log back in and track your progress in Online or Mobile Banking.

Can I get my paycheck or direct deposit early?

All Community First Checking accounts can receive direct deposits up to two days early with Priority Pay**. So, if your paycheck is a direct deposit, you can get it sooner, too! Other than enrolling in direct deposit, there’s no action required to have your payment posted earlier.

The early posting of each direct deposit is contingent upon Community First receiving the funds from the sender, and in most cases, it is available a day or two early.

1SureBalance Checking All offers may end at any time without notice. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). SureBalance Checking  does not offer Overdraft Privilege. Review SureBalance Clarity Statement.
2Youth SureBalance Checking (Teen Account) - All offers may end at any time without notice. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). SureBalance Checking does not offer Overdraft Privilege. Review SureBalance Clarity Statement. Youth Advantage products are available to those under the age of 18.

3Advantage Checking - APY = Annual Percentage Yield. Rates may change without notice after the account is opened. Fees could reduce earnings. All offers may end at any time without notice. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). Advantage Checking account pays interest on your entire checking account balance. You can also earn a premium interest rate on your first $500 when you make 10 or more debit card transactions each month and enroll in eStatements.

4Bonus Debit Checking - Monthly minimum of 20 POS or Signature based debit card transactions monthly and must be enrolled in Online Banking and eStatements to receive ATM refunds. Funds must be available at the time of transaction. Refunds will be posted on the last day of the month. Transactions are counted until 5 p.m. on the last day of the month. Valid email address required for eStatements enrollment. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).

5Money Markets - Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, Community First Credit Union cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call 904.204.1711 or 800.342.8416

All offers may end at any time without notice.

*Special offer - Earn $200 for opening your first Community First checking account, completing deposits totaling $1,000 or more that post within the first 90 days of account opening, and making 10 or more qualifying debit card transactions that post within 90 days of account opening. $200 bonus will be credited to the eligible checking account on or around day 91-97 of account opening. When applying online, you must use code FREECHECK to be eligible for this offer. When applying in-person you must mention this offer at time of account opening to be eligible. Promotion is only applicable once per checking account and per member. Members with an existing personal checking account with Community First Credit Union or who have closed a checking account with Community First Credit Union previously are not eligible to participate. In order to receive the reward, the new checking account must remain open and in good standing with a balance ≥$0.01 until the reward is deposited. Reward forfeiture will occur if the checking account is closed prior to the reward being deposited, or the new checking account has a negative available balance at the time of qualification validation. All offers may end at any time without notice.

**Priority Pay - Members can receive their direct deposits up to two days earlier. No action is required to receive this complementary benefit. Early posting of the direct deposit is contingent upon receiving the funds from the sender.

***Save My Change program - Some restrictions may apply. Business and specialized accounts are not eligible. Upon enrollment, we will round up your Visa® debit card purchases to the nearest dollar and transfer the difference from your checking account to a Community First savings account of your choice. Members must opt-into Save My Change to enroll and opt-out of Save My Change to end enrollment by contacting us or visiting branch. We may cancel or modify the Save My Change service at any time without prior notice.