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 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 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
- Stop by a branch or schedule an appointment
- By phone — call (800) 766-4328 [in Jacksonville (904) 359-6800]
*Some restrictions may apply
†Surcharge from other institutions may occur. Locate thousands of surcharge-free ATM terminals.