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Move forward with confidence—TFCU is here to support your financial goals.
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Linked websites are not under the control of Tropical Financial Credit Union and we are not responsible for the contents of any linked site or any link contained within a linked site. The privacy or security policies at a linked site may be different from those practiced at tropical financial credit union and you should review the privacy policy of any linked site.

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FREE Checking
That Rewards You

Choose Free  Daily Rewards Checking to earn cash back on everyday purchases, with no monthly service fee or minimum balance required.

Open Your Account

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Earn Rewards on Everyday Purchases

With Free Daily Rewards Checking, you can earn real cash with 2 cents back each time you use your debit card for everyday purchases. Your rewards are automatically deposited into your account DAILY! No tracking, no sign-ups, just easy rewards that grow as you spend.

No ATM Fees When Accessing Your Money

Whether you're close to home or traveling across the country, you can access your funds with ease. Free Daily Rewards Checking gives you access to 60,000+ nationwide surcharge-free ATMs.2

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Fraud Protection You Can Count On

Your peace of mind matters. That’s why Free Daily Rewards Checking includes a full suite of tools designed to help protect your account from fraud. From real-time alerts to advanced security features, including travel alerts; you’ll have added confidence every time you spend.

Pay Digitally, Earn Instantly

Convenience meets rewards. Link your debit card to your digital wallet like: Google Pay™, Apple Pay®, or Samsung Pay™ and enjoy the freedom of contactless payments while earning rewards on your everyday purchases wherever life takes you.

No Minimum Balance Requirements

Whether you're just starting out or looking for a smarter way to manage your money, this account is made to work for you. There's no minimum balance to maintain, and you'll still enjoy all the benefits, features, and access that comes with the account.

No Monthly Service Fees

Banking should help you keep more of your money - not take it away. That's why Free Daily Rewards Checking comes with no monthly service fees. You get all the convenience of digital banking, mobile banking, e-statements, and account access without any surprise charges.

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Opening Your Credit Union Checking Account Is Easy

Follow these simple, easy steps to open your credit union checking account

Open Your Account

NO-1

Your Initial Deposit

An initial deposit of at least $25 is required to open credit union checking or debit accounts1. 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, Sarasota, Monroe, Charlotte, or Manatee.

NO-2

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.

NO-3

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.

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

  • Checking Account FAQs
    • Is Daily Rewards Checking a Free account?

      Yes. Daily Rewards Checking is a Free account with no monthly service fee and no minimum balance requirement. 

    • How do I earn rewards with the Free Daily Rewards Checking?

       You earn 2¢ back every time you use your debit card for everyday purchases. Rewards are automatically credited to your account, typically the next business day. 

    • What do I need to open a Free Daily Rewards Checking account?

      You can open an account with a low opening deposit (typically $25), and TFCU may fund the minimum required share account to establish membership.

    • 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

    • 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.

    • How Do I Reorder Personal Checks?

      Checks can be ordered through Online Banking under 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.

    • 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 Report a Lost or Stolen Debit Card?

      To report a lost/stolen Debit MasterCard or ATM card, call 800-472-3272.

Helping Others Feel Good About Banking

Join thousands who consider Tropical Financial the best credit union in Miami, offering exceptional service and member-focused benefits.

I went to TFCU to obtain a new debit card because they sent me one that got lost in the mail. I entered the Kendall branch and sat with Ms. Benitez. She was friendly, cordial and genuinely concerned with my issue. Her service was second to none and she expedited my card without issue. In a time when customer service is almost non-existent, she renewed my faith in good people, quality service and customer satisfaction. Thank you!

O. Han
Kendall, FL

Always friendly professional and meeting the expectation & Personalized service.

Chet
West Palm Beach, FL

I was recommended by a relative of mine to open an account at Tropical in which I did. Mr. Shane - continue being that great representative that you are, very well spoken and well mannered, and the young lady at the teller too was very nice 👏 THANK YOU FOR HAVING ME TROPICAL FINANCIAL CREDIT UNION; KEEP UP THE GREAT WORK 👍

Moline
Miami Gardens, FL

1  TFCU will deposit the $1 minimum requirement to open your account.  Rewards are credited to your account the next business day. See Schedule of Fees.  Please see Consumer Account Disclosure for details. Other conditions may apply.  

2 An additional Fee may be charged by the financial institution providing the ATM.