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We're here to help you feel good about getting a better checking account


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Daily Rewards Debit

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 your Premium Checking account.
    • 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
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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.

TFCU - online and mobile banking

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

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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.

TFCU - Mastercard with purchase rewards


With TFCU’s Purchase Rewards program, account holders can earn cash back on retail purchases made with a TFCU Debit Mastercard.

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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 



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

Image - Member Deon Testimonial headshot

“They have excellent customer service, the transactions are easy, no matter what it is that I need they always find a way.”

Member since 1998


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.


TFCU will deposit the $1 minimum requirement to open your account.   

You Can Feel Good About Banking

Join thousands of others across South Florida who feel good about banking with a better checking account.

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?

Please call our Call Center at 305-261-8328 or 888-261-8328 Monday through Friday 8 am - 6 pm, and the correct form will be e-mailed to you.                                      

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?

Overdraft Protection is available. Please refer to the Schedule of Fees for charges.

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

Have a question but don't want to wait on hold?

“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.”

Image - member Alex headshot
Member since 1999