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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 Tap-to-Pay Technology*
  • Online Banking and Free Bill Payer
  • Mobile Banking
  • Telephone Audio Response
  • e-Statements
  • 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 80,000 Surcharge-free ATMs and Thousands of Shared Branch Locations
  • 1 Free Box of Checks Annually for Senior Citizens (ages 62 or older)
  • Access to the GreenPath™ Financial Wellness Learning Lab, an online portal providing online courses to improve financial habits, manage credit and debt, and use a checking account, including the CheckRight Training Course

Account requirements:

  • 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

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 Training Course (scoring 70% or higher on the quiz). Then, you may request a No Monthly Fee Checking or any other First Florida checking account. You are responsible for initiating the request. 

CheckRight Training Course

To access the CheckRight Training Course, members must first register for the GreenPath LearningLab+. Once your registration is confirmed, log in and find the CheckRight Training Course by searching the catalog.

CheckRight Study Guide

This document reviews the key topics covered by the CheckRight Training Course and can be a helpful tool for completing the CheckRight Quiz.

Take the CheckRight Quiz

This quiz is designed to test your knowledge of the checking account responsibility topics reviewed in the interactive CheckRight Training Course.

Open an Account Today

View a side-by-side comparison of our checking accounts.

*Some restrictions may apply 
†Surcharge from other institutions may occur. Locate thousands of surcharge-free ATM terminals.


A new streamlined FFIS page will be launched soon.

In the meantime, to access your accounts, visit

or call (800) 766-4328, x8806.