Checking Accounts

It's the account you use every day to pay the bills and buy all the stuff you need. Open Your Checking Account today!

 Free Checking

No fees. No hassle. It’s as easy a checking accounts get.

It’s free! The way a checking account should be. No hoops or loops to jump through and direct deposit is not required – although it sure makes paying those bills a lot easier!

  • No monthly service fees
  • No minimum balance requirement
  • VISA Debit Card included

Account Access

You can choose either eStatements or mailed statements. They’re both free. And we won’t charge you for transactions completed in one of our branches, through our Contact Center, or CO-OP Shared Branches either.

 

Ready to open your account?

Apply online, visit a branch or call 904-475-8000.

 Interest Checking

It's a great choice if you want a checking account that earns interest.
  • Interest* paid on balances of $2,500 or more
  • Low minimum balance of $100 to avoid monthly $3.50 fee
  • VISA Debit Card included

Account Access

You can choose either eStatements or mailed statements. They’re both free. And we won’t charge you for transactions completed in one of our branches, through our Contact Center, or CO-OP Shared Branches either.

*In credit unions, members are owners; therefore interest equals dividends.

Ready to open your account?

Apply online, visit a branch or call 904-475-8000.

 Extreme Checking

Earn a higher rate when you take advantage of all the bells & whistles!

Extreme Checking is for members who prefer using electronic services. Requirements to earn interest include Direct Deposit of $500 or more per month, eStatements, and 6 or more signature debit card transactions per month.**

We don’t intend to be tricky! These activities save the credit union money, and that’s how we can afford to pass the savings on to you.

  • Earns Interest*
  • No Minimum Balance Requirement
  • One Free NSF or Courtesy Pay Fee Refund per Year
  • VISA Debit Card included

A signature-based Debit Card Transaction is one where you sign instead of entering a PIN.

  • Considered the same as a “credit” transaction
  • Zero Liability for unauthorized use

Account Access

You can choose either eStatements or mailed statements. They’re both free. And we won’t charge you for transactions completed in one of our branches, through our Contact Center, or CO-OP Shared Branches either.

*In credit unions, members are owners; therefore interest equals dividends.

**Direct Deposit of $500 or more per month into Extreme Checking is required to avoid a $10.00 monthly fee which may reduce earnings.

Ready to open your account?

Apply online, visit a branch or call 904-475-8000.

 Fresh Start Checking

Build or improve your banking history.

Our Fresh Start Account gives members an opportunity to open a checking account, even if they’ve had trouble in the past.

  • No opening or minimum balance requirement
  • Monthly fee $5 (waived with $300 monthly direct deposit)
  • VISA Debit Card included

Account Access

You can choose either eStatements or mailed statements. They’re both free. And we won’t charge you for transactions completed in one of our branches, through our Contact Center, or CO-OP Shared Branches either.

Ready to open your account?

Apply online, visit a branch or call 904-475-8000.

 Business Free Checking

Perfect for a small business!

Our Small Business Checking account is simple and designed to meet your basic needs by offering no monthly maintenance fee and easy-to-manage conveniences. This account is ideal for Not-for-Profit Organizations.

  • $50 minimum opening deposit
  • Up to 400 Free Transactions (Deposits, Checks or Debits, Transfers, ACH items, ATM transactions) $0.20 per item over
  • Deposits of $5,000 or less in cash are Free (then, just $0.10 per $100 over)
  • VISA Debit Card included

Account Access

You can choose either eStatements or mailed statements. They’re both free. And we won’t charge you for transactions completed in one of our branches, through our Contact Center, or CO-OP Shared Branches either.

Ready to open your account?

Apply online, visit a branch or call 904-475-8000.

 Business Interest* Checking

A great choice for growing interest while you grow your business!

If you operate a business that carries a higher balance and has a large volume of cash deposits each month, Business Interest Checking was designed with you in mind.

  • $50 minimum opening deposit
  • Up to 200 Free Transactions (Deposits, Checks or Debits, Transfers, ACH items, ATM transactions) $0.20 per item over
  • Earns interest* on balances over $100
  • Deposits of $10,000 or less in cash are Free (then, just $0.15 per $100 over)
  • VISA Debit Card included

Account Access

You can choose either eStatements or mailed statements. They’re both free. And we won’t charge you for transactions completed in one of our branches, through our Contact Center, or CO-OP Shared Branches either.

*In credit unions, members are owners; therefore interest equals dividends.

Ready to open your account?

Apply online, visit a branch or call 904-475-8000.

Need Help?

Find detailed answers to our most frequently asked questions.

Get Answers

Planning a trip?

If you're traveling out of the US or planning to make a purchase from a foreign country, let us know. VISA Debit and Credit Card transactions are blocked in many countries for your safety.
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