Checking Options

You deserve great banking. And great banking means checking with conveniences such as mobile banking and real-time text alerts. Bank less and do more with a First Commerce checking account designed for your life. Whether you're opening your first checking account or looking for an account that gives you more benefits, we can help. Save money without even trying at First Commerce!

To open a checking account, you must have $5 or more in a First Commerce Savings Account plus the minimum required deposit based on the checking account you select. Plus, when you open your account, we'll get your MasterCard debit card in your hands right away with instant issue. Secure Your MasterCard online - Protect your cards with your own personal password so only you can purchase items online.

Open your account online or for more information or help, call 850.488.0035 or 1.800.533.5772 or visit any of our locations.

Learn how to reach your financial goals with free financial education from the FCCU Foundation and our partner EverFi!

Accelerate Account with CoverMe - NEW!

Our online Accelerate Account moves at the speed of life, giving you the power to fuel your finances and achieve your goals.

  • No minimum monthly balance 
  • Just $25 needed to open the account
  • Get paid up to two days early (requires direct deposit)
  • No fees for overdrawing your account up to $100 with CoverMe Protection
  • Instant issue debit card that works with Apple Pay® and Google Pay™
  • Powerful digital banking services that give you more control of your money
  • Local service at 14 locations across North Florida and South Georgia
  • Get these features and more for just $5.99 per month

Plus we'll help you...

  • Save money. If you also open an EvenUp Savings Account, we'll round up every debit card transaction to the nearest dollar and automatically transfer the difference into your EvenUp Savings Account. Add extra funds to make the most of the higher rate. 

Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. For government payments, this could be up to 4 days early. Accelerate CoverMe Protection is provided to all Accelerate account members in good standing. Accelerate CoverMe Protection allows Accelerate account members who have maintained an FCCU checking account in good standing for at least 30 days to overdraw their account up to $100 to cover items presented for payment against insufficient available funds at no charge. Your limit will be displayed to you within the First Commerce Credit Union’s digital banking app, iBranch! desktop or mobile app and may be greater than $100. Your limit may change at any time, at FCCU’s discretion. Although there are no overdraft fees for items that take the account into the negative $100 or less, there may be out-of-network or third-party fees associated with ATM transactions. Accelerate CoverMe Protection won’t cover money movement through apps such as Zelle®, Venmo, Cash Apps, etc. Please review Schedule of Fees and Charges for tiered Courtesy Pay fees that apply when account goes negative more than $100.00. Accelerate requires the Direct Deposit of a paycheck or government benefits via the Automated Clearing House (ACH) no less frequently than monthly.

iEarn Checking Accounts

iEarn Checking

Make your money work harder for you! Earn interest on your checking account balance with a free iEarn! Checking account. We even make it easy for you to save the interest you earn with higher rates and automatic transfers to a First Commerce Money Market account, if you have one.

  • No monthly fees
  • Free online and mobile banking services, including mobile deposit, bill pay and real-time text/email alerts
  • Free standard First Commerce checks
  • Interest on average daily balances over $1,000 plus higher rates on our Money Market account*
  • First Commerce doesn't charge you for ANY ATM withdrawals
  • Automatic refunds back to your account of surcharge fees assessed by non-First Commerce U.S. based ATMs
  • Higher daily ATM and debit card withdrawal limits
  • Optional automatic transfers to your First Commerce Money Market account
  • $20 discount on safe deposit boxes if aggregate account balance is $25,000 or more

iEarn! Checking Interest Rates

iEarn! Checking Interest Rates
Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.03% 0.03%
$2,500.00 – $9,999.99 0.05% 0.05%
$10,000.00 – $24,999.99 0.10% 0.10%
$25,000.00 and above 0.05% 0.05%

Rates are accurate as of   and are subject to change without notice.

*Minimum opening deposit and average daily balance to receive benefits is $1,000. No minimum balance required. iEarn! members must maintain an Average Daily Balance of $1,000 during the prior month to receive ATM surcharge refunds. iEarn! members must generate 10 or more debit card or check based transactions in their iEarn! Checking account monthly in order to earn the higher tier of rates on money market account. 

iEarn 50+ Checking

Get the most out of life over 50! Earn our highest interest rate on checking with a free iEarn!50+ Checking Account. Plus, this account offers special features and benefits just for members over the age of 50.

All the benefits of our regular iEarn! Checking Account:

  • No monthly fees
  • Free online and mobile banking services, including mobile deposit, bill pay, and real-time text/email alerts
  • Free standard First Commerce checks
  • Interest on balances over $5,000 plus higher rates on our Money Market account*
  • First Commerce doesn't charge you for ANY ATM withdrawals
  • Automatic refunds back to your account of surcharge fees assessed by non-First Commerce U.S. based ATMs
  • Higher daily ATM and debit card withdrawal limits
  • $20 discount on safe deposit boxes if aggregate balance is $25,000 or more

Plus extra perks just for iEarn!50+ Checking Account holders:

iEarn!50+ Checking Interest Rates

iEarn!50+ Checking Interest Rates
Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.03% 0.03%
$2,500.00 – $4,999.99 0.05% 0.05%
$5,000.00 – $9,999.99 0.10% 0.10%
$10,000.00 – $24,999.99 0.15% 0.15%
$25,000.00 and above 0.05% 0.05%

For more information or help opening an account, call 850.488.0035 or visit any of our locations.

Rates are accurate as of   and are subject to change without notice.

*Minimum opening deposit and average daily balance to receive account benefits is $5,000. No minimum balance required. If average daily balance of $5,000 is not maintained for prior 3 months, account will be switched to an iEarn! Account. iEarn50+ members must generate 10 or more debit card or check based transactions in their iEarn50+ Checking account monthly in order to earn the higher tier of rates on money market account. 

MyWay Checking

It's your money, so why not manage it your way? If you're 18-29, you can - with a free MyWay Checking Account from First Commerce! MyWay Checking is a National Award-Winning Program specifically designed to help you get more out of your money and manage it anytime, anywhere.

  • No monthly fees
  • No minimum balance
  • Just $25 needed to open account
  • Free online and mobile banking services, including mobile deposit, bill pay and real-time text/email alerts
  • First Commerce doesn't charge you for ANY ATM withdrawals
  • Automatic refunds back to your account of up to 2 surcharge fees assessed by non-First Commerce ATMs per month
  • Refund of 1 non-sufficient funds (NSF) transaction per year with completion of a brief online financial education course*
  • Annual credit report review with a First Commerce Financial Services Officer
  • Access to Smart Money Online courses, digital financial education powered by the FCCU Foundation
  • Invitations to free financial seminars
  • Annual scholarship opportunity

Plus we'll help you...

  • Save money. If you also open an EvenUp Savings Account, we'll round up every debit card transaction to the nearest dollar and automatically transfer the difference into your EvenUp Savings Account. Add extra funds to make the most of the higher rate. 

*To request NSF refund, contact us for course options and instructions. 

Smart Start Teen Checking

Ready for your first checking account? Keep more of your money with a free SmartStart Checking Account for First Commerce members ages 13 to 17. We'll help you learn smart money habits, avoid unnecessary fees, and build a good financial record right from the start.

  • No monthly fees or minimum balance requirement
  • Free MasterCard debit card
  • Just $25 to open account
  • Free online and mobile banking services, including mobile deposit, bill pay and real-time text/email account alerts
  • All First Commerce ATMs withdrawals are free. Four free non-FCCU ATM withdrawals per month
  • No fees for point of sale purchases (grocery store, pharmacy, etc.) including cash back
  • No adult co-signer required
  • Teen must complete the online SmartStart Checking Account Management Module to open account*

Plus we'll help you save money. If you also open an EvenUp Savings Account, we'll round up every debit card transaction to the nearest dollar and automatically transfer the difference into your EvenUp Savings Account. Add extra funds to make the most of the higher rate.

* Registration required to enroll in SmartStart Checking Account Management course. To open account, bring a screenshot or print out showing the Checking Account Management course completion to one of our locations or call 850.488.0035 or 1.800.533.5772. Must be at least 18 to apply for a loan. 

Free Checking

Is "free" one of your favorite words? Then you've come to the right place. Enjoy the freedom that comes with no monthly fees and managing your money anytime, anywhere with a Free Checking Account from First Commerce.

  • No monthly fees
  • No minimum monthly balance
  • Free online and mobile banking services, including mobile deposit, bill pay and real-time email/text alerts
  • All First Commerce ATMs withdrawals are free. Four free non-FCCU ATM withdrawals per month
  • Options for overdraft protection by linking to a First Commerce savings account, credit card, or line of credit
  • Just $25 needed to open the account!

Plus we'll help you...

  • Save money. If you also open an EvenUp Savings Account, we'll round up every debit card transaction to the nearest dollar and automatically transfer the difference into your EvenUp Savings Account. Add extra funds to make the most of the higher rate.