Free Checking

You deserve great banking. And great banking means free checking with conveniences such as mobile banking and real-time text alerts. Welcome to the home of the better rate and the land of free checking accounts! First Commerce has checking account options for your life stage and lifestyle. Whether you're opening your first checking account or looking for an account that gives you more benefits, we can help. Vote yourself into power by choosing 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. 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 First Commerce and our partner Balance!

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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
  • Free initial pack of 50 standard First Commerce checks when you open your account online
  • Option to add our EvenUp Savings Account which makes saving automatic by rounding up your debit card purchases and transferring the difference for you
  • 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!

* Checks must be requested during the online account opening process (Check Order field). Account must be funded and signature cards received before checks will be issued. Click for complete account disclosures.

MyWay Checking (18-29)

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*
  • Free pack of 50 standard First Commerce checks
  • Annual credit report review with a First Commerce Financial Services Officer
  • Online subscription to quarterly The Money Side of Life Guide
  • Invitations to free financial seminars
  • Scholarship opportunities twice a year

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.
  • Build credit. Build a strong credit history while paying for things you need (like an interview suit, computer or car repairs) with our $300 secured line of credit. We also offer secured Visa credit cards.

*To request NSF refund, contact us for course options and instructions. Click for complete account disclosures.

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

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.05% 0.05%
$2,500.00 – $9,999.99 0.10% 0.10%
$10,000.00 – $24,999.99 0.20% 0.20%
$25,000.00 and above 0.05% 0.05%

*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. Click for complete account disclosures.

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 $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
  • $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

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.05% 0.05%
$2,500.00 – $4,999.99 0.10% 0.10%
$5,000.00 – $9,999.99 0.20% 0.20%
$10,000.00 – $24,999.99 0.30% 0.30%
$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.

*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. Click for complete account disclosures.

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
  • Free pack of 50 standard First Commerce checks
  • Teen must complete the online SmartStart Checking Quiz "Checking Account Management" to open account*

*To open account, bring the Checking Account Management course completion certificate to one of our locations or call 850.488.0035 or 1.800.533.5772. Must be at least 16 to apply for a loan. Click for complete account disclosures.