Fraud Alert: Caller ID / Phone Spoofing Scam: Several members have reported receiving phone calls from what appears to be Community First (on Caller ID). This is fraud. As a reminder, Community First will never make an outbound call to ask you for your personal information. If you receive any phone calls and the caller claims to be from Community First and asks you for your personal information, please hang up, call us at 904-354-8537, and report this as fraud. Thank you.

Overdraft Options*

Members in good standing can take advantage of several overdraft protection options that prevent returned items or declined transactions

Call or stop by a branch to learn more


Overdraft Protection

In the event of an overdraft, we will transfer funds from savings or other deposit accounts for a small fee.

Overdraft Line of Credit

You can write a check up to your available line of credit, regardless of the balance in your checking or savings accounts.

Overdraft Privilege**

Overdraft Privilege is not a line of credit. If you should inadvertently overdraw your account, after all overdraft transfer options have been exhausted, we have the discretion to cover your overdrafts.

Overdraft Privilege Disclosure

*Please refer to the Consumer Fee Schedule for fees. SureBalance Checking does not offer Overdraft Privilege.

**The account balance must be brought to a positive balance for 48 hours within every 20-day period. While Community First will typically pay overdrafts on accounts in good standing, payment is a discretionary courtesy, and not a right or obligation. Community First may, in our sole and absolute discretion, cease paying overdrafts at any time without prior notice of reason or cause.