
CHECKING & DEBIT ACCOUNTS
THAT REWARD YOU
..

Daily Rewards Debit
(MOST POPULAR)
Account Highlights:
- No monthly service fee
- No minimum balance required
- Earn 2 cents on every retail purchase
- Rewards credited to your account the next business day
- Limit of 40 daily transactions
Best for those who want to be rewarded for their purchases
Included Features
- TFCU Mobile App
- Mobile Deposit Anywhere, Anytime 24/7
- Free Bill Pay
- Free E-Statements
- No ATM Fees
- Debit Card On/Off with CardValet

Premium Checking
Account Highlights:
- Monthly service fee waived if you meet one of the following:
- Direct deposit of at least $500 to savings or checking/debit
- Daily minimum balance of at least $1,500 in checking/debit
- A first mortgage with TFCU
- Free: notary services, cashier checks, shared branching transactions, incoming wires and more
Best for those looking for lower costs and better benefits.
Included Features:
- TFCU Mobile App
- Mobile Deposit Anywhere, Anytime 24/7
- Free Bill Pay
- Free E-Statements
- No ATM Fees
- Debit Card On/Off with CardValet

Perks Debit
Account Highlights:
A low monthly service fee of $6
- No Minimum Balance
- No Direct Deposit Required
- Mobile Phone Coverage
- Credit Monitoring, Credit Report and Score
- Dark Web Monitoring
- Identity Theft Recovery Services
- Shopping Discounts and more!
Best for those wanting to get exclusive account perks.
Included Features:
- TFCU Mobile App
- Mobile Deposit Anywhere, Anytime 24/7
- Free Bill Pay
- Free E-Statements
- No ATM Fees
- Debit Card On/Off with CardValet
Choosing a checking account shouldn't feel frustrating
All our checking and debit accounts include these features to help simplify your banking anywhere, anytime.
online & mobile
Get easy access to your account with online and mobile banking. Download the TFCU mobile app from the Android & Apple stores. View balances, transfer funds and deposit checks 24/7.
Click here for IOS | Click here for Android
OVERDRAFT PROTECTION
Don’t get hit with a fee. Account holders over 18 are eligible to opt into overdraft protection. Funds automatically transfer from savings or personal line of credit to avoid the overdraft fee.
DEBIT MASTERCARD WITH DEBIT REWARDS
With TFCU’s Purchase Rewards program, account holders can earn cash back on retail purchases made with a TFCU Debit Mastercard.
CARDVALET
Take control of your TFCU debit card with CardValet. Set usage preferences, control how and where your card is used and avoid fraud by turning your card on and off.
Get More Details Here

CHANGED
Get ahead of student loan payments with ChangEd. Connect your TFCU account and spare change on purchases will be transferred over to a student loan. Learn more here

“They have excellent customer service, the transactions are easy, no matter what it is that I need they always find a way.”
OPENING YOUR CREDIT UNION ACCOUNT IS EASY
Follow these simple, easy steps to open your credit union checking or debit account
Your initial deposit
An initial deposit of at least $25 is required to open credit union checking or debit accounts. You are eligible for membership if you reside or work in the following Florida counties: Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee or Sarasota.
direct deposit
If you are planning to set up direct deposit to your new account, you will need to provide your payroll department or Social Security with TFCU's ABA Routing Number (267077847) and your TFCU account number.
what you need
Whether you open an account online or at a local South Florida branch, you will need a valid form of identification such as a US passport or State-issued Driver’s License. If adding a beneficiary, their date of birth and social security number are required.
Disclosure
TFCU will deposit the $1 minimum requirement to open your account.
You Can Feel Good About Banking
Get answers to common Florida checking account questions
How do I report a lost or stolen debit card?
To report a lost/stolen Debit MasterCard or ATM card, call 800-472-3272.
How can I cancel or stop payment on check or a transaction coming through my account?
How do I reorder personal checks?
Checks can be ordered through Online Banking under ADDITIONAL SERVICES, select check Re-order, in a Branch, or by speaking with a Call Center representative. For first-time check ordering please visit a Branch or call our Call Center at 888-261-8328. You will receive your checks in 7 to 10 business days.
Does Tropical FCU offer Overdraft Protection?
What is Tropical Financial Credit Union’s routing number?
TFCU’s ABA Routing Number is 267077847. You will need this number if you are setting direct deposit with a TFCU checking or debit account.
Where can I find a TFCU Direct Deposit form?
Direct deposit forms can be obtained in TFCU branches or by filling out this online form
“My whole family banks with Tropical Financial and the service is incredible. The quality of service, the attention the employees give me is 100%. I couldn’t ask for more.”
