Our phone lines will be unavailable during our normal time of 8:00 AM on Thursday, November 14. We will resume phone line operations at 8:30 AM.

Avoid high fees that other banks charge and open a truly free checking account with us today. Whether you want to earn interest or have ATM fees refunded, we have the right account for you. All of our checking accounts come with a Visa Debit Card with EMV chip technology and the option to enroll in Overdraft Protection.

Let us help you choose the right debit card for you.

New to
Community First?

Apply here to open a Checking Account

A Community First Member
but not enrolled in Online Banking?

Enroll in Online Banking Today


Checking Account Options:

Advantage Checking

Checking with a distinct advantage. The account allows you to earn dividends while having access to funds anytime. Enjoy premium interest rates on your first $500 and save money with no monthly fees.

Bonus Debit Checking

Receive cash refunds for ATM fees and enjoy the opportunity to receive bonus reward points on select purchases. As long as you reach 20 debit transactions monthly, you will benefit.

Fresh Start Checking

Designed for those who need a “fresh start” with their banking needs. This fully functioning checking account allows you to write checks, use a Visa debit card, as well as our other convenient services.

SureBalance Checking

SureBalance is true to its name. With this checking account, you will worry less about overdrafting and can have peace of mind knowing exactly what your true balance is. It’s checking made easy.

UNF VIP Checking

A special account just for UNF students. Includes all of the benefits of our regular checking accounts, plus more, just for being a student. There might even be some pizza involved. Because what’s college without free pizza?

Teen Checking

Opening a checking account for your children is an excellent first step to help them become financially savvy. Give your teens freedom of managing their own money.


Additional Checking Options:

Jumbo Shrimp Debit Card

This awesome debit card design is offered on all of our checking accounts, you can show off your love for the Jumbo Shrimp everywhere you go and get exclusive special perks while you’re at it!

Direct Deposit

Establishing Direct Deposit is an easy, safe way to simplify making deposits into your account.

Helpful Resources:

Checking Accounts - An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. Must be 13 years old with guardian and 18 without to apply for a checking account. Other restrictions may apply. Rates subject to change.