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When you open a new Community First Checking Account, you can get
$200 cash and get paid up to 2 days early!

Apply Now

Community First Checking Accounts

Now's the time to switch to a reliable, local free checking account that puts you first. Community First is a credit union that prioritizes the financial well-being of our members, and we're committed to providing transparent, dependable, and personalized banking services. On top of that, when you open your first Checking Account with us, you get access to tons of great features and a $200 cash bonus*!

Get Started


HOW TO GET YOUR $200* BONUS:

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Earn a $200 Bonus

Treat yourself with a $200 cash bonus*when you open your first Checking Account.

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Get Paid Early

Access your paychecks up to two days early.**

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Better Rates

Earn 3.04% APY on your first $500*** with an Advantage Checking account.


How to get your $200 cash bonus

Getting your $200 cash bonus is easy. All you need to do is:

  • Open your first consumer checking account.
  • Make 10 debit transactions in the first 90 days of account opening.
  • Make deposits totaling $1,000 or more in the first 90 days of account opening.

Get Started

READY TO GET STARTED?


NEW TO COMMUNITY FIRST? APPLY ONLINE

NEW TO COMMUNITY FIRST? APPLY ONLINE

Completing an application online is quick & easy!
Use code: FREECHECK
when applying online.

Apply Now

ALREADY A MEMBER? APPLY IN ONLINE BANKING

ALREADY A MEMBER? APPLY IN ONLINE BANKING

You can complete an application right in your Community First Online Banking.

Apply in Online Banking

CALL OUR NEW ACCOUNTS TEAM

CALL OUR NEW ACCOUNTS TEAM

Still have questions? Reach out to our New Accounts Team from Monday - Friday: 8am - 5pm.

Call us at 904.712.2822

SCHEDULE AN APPOINTMENT

SCHEDULE AN APPOINTMENT

Not ready right now? No worries! Schedule an in-person or over-the-phone appointment.

Schedule an Appointment


Helpful Resources

How to Select a Checking Account

Not all checking accounts are created equal, and you deserve the best. This useful guide is designed to help you weigh all the options available and find the perfect checking account to meet your needs.

+Read More

Is it Bad to Have Multiple Checking Accounts?

Having multiple checking accounts can be very useful if you’ve ever struggled with organizing and tracking your spending. Here are the things to consider when you are preparing to open more than one checking account.

+Read More

Benefits of Banking Locally

When choosing a bank, many people tend to base their decision on the benefits they’ll receive. While these are important to keep in mind, it’s also important to think about where you bank.

+Read More


Federally insured by NCUA. Membership is open to anyone who lives, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation, Miller Electric Company and Web.com. All offers may end at any time without notice. An initial deposit of $5 to be held in your Community First Share account is required for membership.

*All offers may end at any time without notice. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). Earn $200 for opening your first Community First checking account, completing deposits totaling $1,000 or more within the first 90 days of account opening, and making 10 or more qualifying debit card transactions within 90 days of account opening. $200 bonus will be credited to the eligible checking account on or around day 91-97 of account opening. When applying online, you must use code FREECHECK to be eligible for this offer. When applying in-person you must mention this offer at time of account opening to be eligible. Promotion is only applicable once per checking account and per member. Members with an existing personal checking account with Community First Credit Union or who have closed an account with Community First Credit Union previously are not eligible to participate.

**Members can receive their direct deposits up to two days earlier. No action is required to receive this complementary benefit. Early posting of the direct deposit is contingent upon receiving the funds from the sender. No action is required to receive this complementary benefit. Early payment is contingent upon receiving the funds on time. Payment may be delayed.

***APY= Annual Percentage Yield. Must have an Advantage Checking Account to qualify for 3.04% APY. 3.04% APY on balances up to $500 and 0.05% APY paid on balances above $500. Rates accurate as of 7/1/2023. Must do at least 10 debit card transactions monthly and be enrolled in eStatements to get higher APY on first $500. Restrictions apply and rates can change at any time without notice.