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Our checking accounts make managing your money easier than ever. We give you the progressive online and mobile tools you need, plus added benefits like rewards that you want. There's no reason to pay costly fees from other banks anymore. Open any free checking account today and discover why thousands truly Love Where They Bank.

Open a Checking account today

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Our checking accounts come with

Get up to $75 when you open any checking

  • $25 for opening a new checking
  • $25 for starting a Direct Deposit of at least $300
  • $25 for referring a friend

Refer a Friend

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. A $25 minimum deposit is required to open a new Community First checking account. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). When applying online use code CHK2014. Must mention this offer at time of account opening. One $25 for checking, one $25 for recurring direct deposit of at least $300 and one $50 Dining Card per new member that orders a debit card at time of account opening. Ask us for more details. Consult a tax advisor for tax consequences. Visit. for complete terms and conditions; and for a list of participating restaurants. Limit of one (1) gift certificate redeemable at a given restaurant per party per month. Minimum spend requirements and other restrictions may apply. Offer may end anytime without notice.