*An initial deposit of $5, to be held in your Community First Savings (Share) Account, is required for membership. Membership is open to anyone who lives, works or attends school in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. A $25 minimum deposit is required to open a checking account, other restrictions may apply and rate is subject to change. Monthly minimum of 20 POS or Signature based debit card transactions monthly and must be enrolled in Online Banking and eStatements to receive ATM refunds and uChoose Bonus Point opportunities. Funds must be available at the time of transaction. Refunds will be posted on the last day of the month. Transactions are counted until 5 p.m. on the last day of the month. Valid email address required for eStatement enrollment. Additional restrictions may apply; refer to the Community First Consumer Membership and Account Agreement.