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Personal Checking Solutions

Free Mobile and Online Banking, No-Fee Debit Cards, Rewards on Purchases and Access to a Nationwide Network of Surcharge-Free ATMs.

Opening a checking account just got sweeter!  For a limited time you can earn $25 for opening any new checking account, another $25 for starting  a Direct Deposit of at least $300 into a Checking and another $25 for referring your friends to open a checking account.***  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 your ATM fees refunded, we have the right account for you.


Bonus Debit Checking

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Advantage Checking

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Fresh Start Checking

Basic checking with everything you need. Benefits include: 

  • $10 monthly fee
  • Free Visa® Debit Card with free UChoose Rewards® Program

All Checking Accounts Require: 

  • Required $25 minimum opening deposit
  • Overdraft privilege available

Other account qualifications may apply

Open Your Checking Account Today: 

Open Online Today

Open Online Today

Visit a Community First branch near you

Or call us at 904.354.8537 or 800.342.8416

*Member must do at least 6 transactions per month to receive higher interest rate on first $500.**ATM fees refunded up to $10 per month on out-of-network ATM withdrawals. Member must do at least 20 POS or signature based debit card transactions and be enrolled in eStatements to qualify for refund. Funds must be available in account at time of withdrawal. Refunds will be posted to the account on the last day of the month. ***$25 when you open a new checking account (with $25 or more); $25 when you sign up for recurring direct deposits of $300 or more; $25 for each new member referral that opens a checking account. When applying online use promo code CHK2014. One $25 cash for new checking and one $25 cash for direct deposit per member at the time of account opening.  One $25 referral credit per member at the time of account opening. New member can only be referred by one existing member. The Direct Deposit promo credit will post within 4-6 weeks of account opening.  Must mention this offer at the time of opening your new account. Ask us for more details. Consult a tax advisor for tax consequences.

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Personal Checking Rates

Compare rates for Advantage and Free Checking Accounts.

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