Smart Track Checking®
Feel empowered to move forward.
Each year, thousands of people lose the right to have and use a checking account due to past challenges. This can be devastating – forcing many into expensive and inconvenient methods of bill paying.
First Florida Credit Union empowers members to move forward. With a $25 opening deposit and direct deposit authorization, Smart Track Checking provides a variety of free account benefits and path to traditional checking accounts.
Smart Track Checking is designed to:
- Offer financial solutions unique to your individual circumstances
- Provide you with a money-saving option
- Provide education on how to achieve financial success
Enjoy the benefits of:
- Visa® Debit Card with Chip Technology*
- Online Banking and Free Bill Payer
- Mobile Banking with Card Controls
- Telephone Audio Response
- Unlimited Check Writing
- Path to Traditional Checking Accounts
- No Monthly Minimum Balance Requirement
- 4 Free Transactions per Month at Non-First Florida ATMs†
- Access to over 100,000 Surcharge-free ATMs and Thousands of Shared Branch Locations
- 1 Free Box of Checks Annually for Senior Citizens (ages 62 or older)
- Free Online Checking Account Management Program, CheckRight, a service of GreenPath Financial WellnessTM
- Direct Deposit
- Maintain your account in good standing
- No previous owed balances to the credit union
- $10 monthly fee
Graduate to a No Monthly Fee Checking Account
Graduate to a No Monthly Fee Checking Account if you have less than six returned checks in a rolling 12-month period and complete the CheckRight course (scoring 70% or higher on the exam). Then, you may request a No Monthly Fee Checking or any other First Florida Checking Account. You are responsible for initiating the request.
Open an Account Today
- By phone — call (800) 766-4328, ext. 1 [in Jacksonville (904) 359-6800, ext. 1]
- In person — stop by a branch near you
*Some restrictions may apply
†Surcharge from other institutions may occur. Locate thousands of surcharge-free ATM terminals.