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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 Chip Technology*
  • Online Banking and Free Bill Payer
  • Mobile Banking with Card Controls
  • 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 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 

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 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.