UNF Checking
Swoop into better banking with the Community First UNF Checking Account built for University of North Florida students. Show your Osprey spirit with a UNF Debit Card when you open a free checking account.
UNF Checking
Managing money in college can be tricky, but it doesn't have to be. University of North Florida students can make any checking account a UNF Checking Account. See how we can help you live college life to the fullest with complete financial confidence.
For current UNF students looking to show off their school spirit
For UNF graduates who want to show support for their alma mater
For Osprey fans looking to celebrate their favorite team
Compare our Checking Accounts
| Minimum to Open | $0 | $0 | $0 |
| Minimum Balance Requirement | None | None | None |
| Monthly Maintenance Fee | None | None | None |
| Check Writing |  |
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No |
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Interest on Account Balances |
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No | No |
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Refunded Out-of-Network ATM Fees |
No | Yes, up to $10 monthly | No |
| Free Online & Mobile Banking | |
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| Free Online Bill Pay | |
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| Free eStatements | |
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Saving is easy with our Save My Change program**. Every time you use your debit card, we’ll round your total up to the nearest dollar and drop your change into the savings account of your choice. Click here to see how you can enroll today.
No monthly maintenance fees and no minimum balance requirements.
Bank conveniently at Community First's full-service branch located right on the UNF campus. Stop by the branch today and open an account to get started.
Get access to over 85,000 surcharge-free ATMs nationwide including Publix Presto ATM locations. Plus, get up to $10 in out-of-network ATM fees refunded monthly!2
Be empowered to reach your financial goals at every stage of life with our free moveUP Financial Wellness Program. Access our quick and easy moveUP modules anytime, anywhere.
Not all checking accounts are created equal. We explain what you should consider when comparing accounts and how to find the right one.
Wondering about the differences between checking and savings accounts? We explain how to use each and the benefits they offer.
Check out our top tips to help you lower your grocery bills and keep more money in your pocket (and your Community First account).
Get 1.5% cash back on everything, everywhere.5 New cardholders can earn a $150 cash bonus6 and enjoy 1.9% APR on balance transfers and purchases.7
Earn points on every purchase. You’ll get one point per $1 spent with access to special merchant offers.8 New cardholders can earn 10,000 bonus points9 and enjoy 1.9% APR on balance transfers and purchases.7
Our lowest rate credit card, and a great starting point if you’re just starting out or normally carry a balance. Plus, take advantage of no balance transfer fee.
Looking for Something Different? Explore More Account Options
Advantage Checking
Bonus Debit Checking
SureBalance Checking
Youth Advantage Checking (ages 13-17)
With our special Teen Checking4 accounts, access to our moveUP Financial Wellness Program, and much more, your teen is in the right hands to becoming financially independent and have the freedom to manage their money the right way.
Special Purpose Savings Account
FAQs
Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida 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 employees of Brooks Rehabilitation, Miller Electric Company, and Web.com. Not sure if you qualify? Contact us.
Your best defense against fraud
Community First monitors fraudulent or suspicious account activity and may proactively contact a member about this activity, we will never call and ask for confidential information such as your entire account number or PIN.
Contact 904.354.8537 if you have provided confidential information.
How it works:
The system allows you to receive automated fraud alerts, text messages, emails, and even automated calls that easily walk you through reviewing suspicious activity on your card.
Our system enables:
- Immediate alerts - When suspicious activity has been detected on your account, we don’t wait for an agent to dial your number – our automated system will contact you by text, phone or email.
- 2-Way Communication - You can take action the second you receive your alert – by texting the provided command word, or interacting with the automated system on the phone; simply follow the instructions to answer questions regarding your recent card activity.
- Real-time Support - Our live agents are ready to assist you at any time to ensure you receive the best defense exactly when you need it.You do not need to register for this service, alerts will be sent to you automatically. Please review and update your mobile phone number and email address in Online / Mobile Banking, so we can send you important fraud alerts about your account.
- Your social security number
- A valid U.S. driver’s license, passport, or state ID
- If this is your first account with Community First Credit Union, an initial deposit of $5 in a Share Savings Account is required to establish membership.
- Account information to fund the new account (credit, debit, or a U.S. bank account).
- Make 20 or more debit card transactions each month
- Enroll in eStatements
ATM refunds are posted to eligible accounts at the end of the month.
Here’s how:
- Download Community First’s Card Services app from the App Store or Google Play
- Follow the prompts to register your card. (Note: Your email, social security number, and date of birth are required and must match what’s on file with your Community First account.)
- Check your inbox for a confirmation email and log in.
Learn more about our CURewards Program.
The Save My Change program** allows you to save every time you swipe your debit card. When you enroll, we automatically round up your debit card purchase to the nearest whole dollar amount and put the change in the savings account of your choice.
Essentially, Save My Change is the equivalent of a change jar for your debit card. You can easily enroll by opting into Save My Change in Online or Mobile Banking.
Log into Online Banking or our Mobile Banking app.
- Navigate to the menu and select Account Management
- Click or tap Save My Change and enroll
That’s it. Now, you'll save every time you swipe the debit card for your enrolled Checking account. Don’t forget to log back in and track your progress in Online or Mobile Banking.
All Community First Checking accounts can receive direct deposits up to two days early with Priority Pay*. So, if your paycheck is a direct deposit, you can get it sooner, too! Other than enrolling in direct deposit, there’s no action required to have your payment posted earlier.
The early posting of each direct deposit is contingent upon Community First receiving the funds from the sender, and in most cases, it is available a day or two early.
1Advantage Checking - APY = Annual Percentage Yield. Rates may change without notice after the account is opened. Fees could reduce earnings. 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). Advantage Checking account pays interest on your entire checking account balance. You can also earn a premium interest rate on your first $500 when you make 10 or more debit card transactions each month and enroll in eStatements.
2Bonus Debit Checking - Monthly minimum of 20 POS or Signature based debit card transactions monthly and must be enrolled in Online Banking and eStatements to receive ATM refunds. Funds must be available at the time of transaction. Refunds will be posted on the last day of the month. Transactions are counted until 5 p.m. on the last day of the month. Valid email address required for eStatements enrollment. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
3SureBalance Checking - 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). SureBalance Checking does not offer Overdraft Privilege. Review SureBalance Clarity Statement..
4Youth SureBalance Checking (Teen Account) - 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). SureBalance Checking does not offer Overdraft Privilege. Review SureBalance Clarity Statement. Youth Advantage products are available to those under the age of 18.
Credit Card offers
All credit card offers are subject to credit approval. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. Terms and conditions apply. Credit, income, and other restrictions apply. Offers may end at any time without notice. All introductory offers are only available for new credit cards. You may not be eligible for introductory credit card offers if you opened a Community First Credit Card within the last 15 months from the date of the new application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance. The minimum limit is $500.
5$5,000 minimum limit is required on the Visa® Signature Credit Card. In each monthly savings statement, you will be credited a percentage of the U.S. dollar value of net purchases made during that month's credit card statement cycle. Currently, the Cash Back Rewards percentage is 1.5%; however, this percentage may change at our discretion at any time without advance notice to you.
6$150 credited to qualifying members’ primary share account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.
7APR= Annual Percentage Rate. 1.9% APR for 12 months, valid for balance transfers and purchases made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. Credit, income, and other restrictions apply. Offer may end at any time without notice.
8For more details about Rewards Accrual, see our CURewards Rules page.
910,000 bonus points credited to qualifying members rewards account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.
All offers may end at any time without notice.
*Priority Pay - 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.
**Save My Change program - Some restrictions may apply. Business and specialized accounts are not eligible. Upon enrollment, we will round up your Visa® debit card purchases to the nearest dollar and transfer the difference from your checking account to a Community First savings account of your choice. Members must opt-into Save My Change to enroll and opt-out of Save My Change to end enrollment by contacting us or visiting branch. We may cancel or modify the Save My Change service at any time without prior notice.