<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=489206321732816&amp;ev=PageView&amp;noscript=1"> Digital Banking: Simple & Secure Online & Mobile Banking | Tropical Financial Credit Union
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Digital Banking

Tropical Financial Digital Banking gives members convenient access to everyday account management from desktop or mobile. You can view balances, make transfers, manage scheduled payments, access Bill Pay, and connect with support through secure messages.

Zelle®1 is also available as part of the digital banking experience, giving members another fast way to send and receive money from people they trust.

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Download the TFCU app

Get easy access to your account with online and mobile banking. Download the TFCU Online and Mobile app from the Android & Apple stores. View balances, transfer funds, have access to Zelle®1, deposit checks 24/7 and more.

Search for "Tropical Financial CU" to find the app, or just scan one of the QR codes to download.

With TFCU's Digital Banking:

  • Log in, view balances, and make real-time transfers between Tropical accounts.
  • Set up and manage new scheduled transfers or payments.
  • Access External Transfers, Bill Pay, Mortgage, and Credit Card accounts directly from one convenient place.
  • Continue to enjoy automatic processing for pre-scheduled payments and transfers.
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Features

This experience isn’t just about new tools. It’s about giving you a digital banking platform that’s faster, more flexible, and built to fit the way you live.

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Zelle®1 is a fast, safe and easy way to send and receive money

Learn More of Zelle

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Loan Payments

Stay on top of your TFCU loan with quick, secure payments right from Online or Mobile Banking.

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Mobile Deposit

Deposit checks anytime, anywhere using the TFCU Mobile Banking app, no branch visit required.

Frequently Asked Questions

  • Frequently Asked Question
    • How do I login to Tropical Financial Digital Banking?

       Go to Member Login and enter your username and password to access your accounts online. 

    • What if I am logging in for the first time?

      Existing online banking users can sign in with their current username and password, then complete any verification or password update steps that appear. New users need to enroll in online banking before they can access Digital Banking.

    • What can I do in Digital Banking?

      You can view balances, review transactions, transfer money, pay bills, access eStatements, send secure messages, and manage eligible loan or credit card payments. 

    • Can I transfer money between accounts?

      Yes. Digital Banking includes internal transfers between Tropical Financial accounts and also supports external transfers. 

       

    • Does Tropical Financial Digital Banking include Zelle®?

       Yes. Zelle®1 is available through Tropical Financial Digital Banking for sending money to people you trust. 

    • How do I make a Tropical Financial loan payment online?

       You can make a loan payment using the Loan Payment options available within Digital Banking. 

    • Can I send a secure message for account help?

      Yes. Members with an account can log in to Online Banking or the Mobile App to send a secure message about existing account services.

    • How do I get help with login or Digital Banking support?

       Call 305-261-8328 in Miami-Dade or 888-261-8328 in other areas for help during business hours. You can also contact the Digital Banking team by email at DigitalBanking@tfcu-fl.org. 

  • Auto Loans
    • Why should I get a credit union car loan?

      Tropical Financial offers four different types of vehicle loans which include new, used, recreational and refinancing. There’s many benefits to a credit union car loan versus one from another financial institution. Credit Unions tend to offer lower rates and terms, personalized service, preapproved financing to streamline the car buying experience as well as perks and promotions for members.

    • What should I know about car loans from a credit union in Florida?

      Many people decide to apply for an auto loan at the dealership and are unaware of the details for their loan. There’s many important pieces that consumers should be aware of, yet are not always notified.

    • How long are car loans usually for?

      Our auto loan terms differ between new and used. New auto loans have the option of 36, 60, 72 or 84 months. Whereas, our used auto loan terms are generally for 36, 60 or 72 months.

    • How much will I pay overall on my car loan from a credit union?

      This depends on your specific situation. However, the important thing to know about stretching out the term is that you’ll pay less monthly, but end up paying more over time due to interest, whereas with shorter terms you’ll pay a higher monthly payment and less over time. 

    • What’s the interest rate on an auto loan from Tropical Financial Credit Union?

      Our rates vary depending on the term you choose and also varies depending on credit score.  We recommend working with one of our representatives to find your specific rate and payment based on your specific details.

      Applying for a car loan from a credit union in Florida is an easy process. You can either apply online or call in to speak with a representative. We provide resources to members and non-members, so they can decide if applying with us, is the right choice for them.

      We recommend browsing our different types of auto loans as they allow you to compare car loan rates, calculate/estimate future payments and apply for a pre-approval.

      For more tips and tricks be sure to check out our auto blog here. 

How To Remove My Online/Mobile Banking Account Access

To remove your Online/Mobile Banking access, send an email to  DigitalBanking@tfcu-fl.org with the subject line “Remove Online/Mobile Banking Account” and include your full name and a good phone number where we can reach you. A representative will contact you to confirm the request and begin the removal process.

When your request is completed, Tropical Financial Credit Union will delete all data associated with your online and mobile banking access from its digital systems, and that data will no longer be available to any party. Your accounts will remain open, and your account transaction history will remain in Tropical Financial’s main system as long as your accounts stay active, but all Internet and Mobile Banking data will be removed.

If you have any questions about this process, call us at 305-261-8328 (Miami-Dade) or 888-261-8328 (all other areas). 

Disclosures

1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. Data rates may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Copyright © 2025 . All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.