As a responsible community partner, we want to help prevent the spread of COVID-19.

  • Therefore, we have decided to transition our branch lobby services to drive-thru only beginning Monday, March 23.
    Drive-thru hours of operation will be Mon. - Thur. 9 am - 5 pm | Fri. 9 am - 6 pm  | Sat. 9 am - 5 pm
  • Branches with no drive-thru (Mandarin, UNF and Riverside) will be completely closed with no services available for the time being.
  • The Yulee branch lobby will remain open on a limited basis. To ensure sufficient social distancing we will limit the number of members to five (5) in the Yulee branch at once. We will reopen our branch lobbies as soon as the situation allows.
  • Due to high call volume, you may experience longer than normal wait times when contacting our member experience center.  We apologize for any inconvenience.  

SureBalance Checking

With our SureBalance Checking account you’ll have peace of mind knowing exactly what your true balance is, so you don’t have to worry about things like big overdraft fees. It's like having a pre-paid card but better.

Apply for SureBalance Checking

Or call 904.354.8537

Surebalance Checking features:

  • No minimum balance
  • Help avoid overdrafts
  • No checks needed
  • No monthly service fee

SureBalance Clarity Statement

What are some ways to use SureBalance Checking?

  • Great to use as a main checking account if you don’t need to write paper checks, you need help avoiding overdraft fees by spending only what’s in your account and you don’t want monthly fees.
  • Use as a secondary account to use for spending on a budget, online purchases, travel, or as a way to separate money from your main funds.
  • College students can use as this account to help them know their true balance, safely manage money while in school without worrying about fees, have funds transferred instantly into the account, and deposit checks from anywhere.
  • Parents can also use as a youth account to set budgets for their kids, teach them how to manage their money in a risk-free way, and easily transfer funds from anywhere.



*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. SureBalance Checking does not offer Overdraft Privilege.