Free Checking Plus

Open a Free Checking Plus account and earn a $100 Bonus!¹

Community Credit Union of Florida's Free Checking Plus account is not your typical spending account — it's free, plus much more!

Get more for your checking account with features like:

• No minimum balances or deposit requirements.

• No monthly service fees.

• Use your debit card and earn interest. Earn 2.50% APY on balances up to $10,000, and 0.10% APY on balances exceeding $10,000 when you use your debit card 20 times during the month.²

• Early Payday— receive your paycheck a day early.³

• Mobile Deposit via our highly rated mobile app.

• Use Zelle^® to transfer money quickly and easily to enrolled users.

• Load your debit card in your digital wallet and use Apple Pay, Samsung Pay, Google Pay.

• Access your money at more than 80,000 free ATMs.⁴
   

 

_{¹To earn the $100 bonus, use your debit card 20 times in 60 days to make purchases or payments of any amount. Sign up for free eStatements and download the mobile app. Account must be in good standing. If opening online, enter promo code MK-100. If opening at a branch or by phone, mention the promo code MK-100. Bonus will be deposited after your 60-day anniversary date.
²APY = Annual Percentage Yield. Rates as of January 1, 2025. Must use your CCU Florida debit card 20 times by 5pm ET on the last day of a calendar month and be enrolled in eStatements to earn dividends. ATM transactions are not counted towards total. Account is still FREE even if you don’t earn dividends. If you do not use your debit card 20 times during the month, you will not earn dividends, but the account is still free.
U.S. checking or savings account required to use Zelle^®. Transactions between enrolled consumers typically occur in minutes and generally incur transaction fees.
³Early Payday is based on date that employer or other source sends CCU Florida the funds. Dates could vary due to holidays.
⁴Find locations at ccuFlorida.org or in the mobile app.
Membership available in Brevard and surrounding counties. A share account with a one-time $5 membership fee is required to open account.}