do your finances stress you out?

According to the Federal Reserve, the average American consumer is stressed about their finances.
That's because the average credit card debt is $16,140 and the average student loan debt is $31,946.

This stress can take a toll on your health, your relationships, and your happiness.

But that's not what we want for you because we believe there is a better way to live.

Schedule Your Free Financial Health Checkup


Frequently Asked Questions

I need to talk with someone.

Just like a visit to the doctor's office, our free financial health checkup will help you to understand your overall financial well-being. One of our trusted financial advisors will review what you're doing well and provide recommendations on how to improve your overall financial health. 

I need to check on my application status.

I need help switching my accounts to Tropical Financial.

Step 1: Download and print the PDF to close your account(s) at another bank or credit union.

Step 2: Download and print the PDF to change Direct Deposit to Tropical Financial, click here for pdf form.

Step 3: Download and print the PDF to change/authorize automatic payment from your Tropical Financial account.

I need to make a wire transfer.

All wire transfer orders must comply with the provisions of U.S. Law as enforced by the Treasury Department Office of Foreign Asset Control.

Domestic Wire Transfer

International Wire Transfers


I am looking for the routing number.

Tropical Financial's routing number is 267077847.

I need help with overdraft protection.

Overdraft Privilege is a service we add to your checking account to cover overdrafts to a set limit, subject to the eligibility criteria and types of transactions covered as explained below. With Overdraft Privilege we will generally pay your overdraft items in your Personal Checking account up to $1,250, Premier One Checking up to $1,500, Business Checking up to $2,000, Gen Next Checking account up to $300. Overdraft Privilege is not offered on Basic Checking accounts. However, whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or is not being managed in a responsible manner, or you are not making regular deposits.

Eligibility – No application is required for Overdraft Privilege. Eligibility is at the Credit Union's sole discretion and Overdraft Privilege service is generally made available for active account holders 30 days after the account is opened. Overdraft Privilege may be suspended or permanently removed from the member's account at the Credit Union's discretion.

For Debit MasterCard and ATM purchases – If you have not activated the "opt-in" feature of overdraft on your ATM or Debit card, we unfortunately, will have to decline your ATM transactions and one-time debit card transactions when there are insufficient funds in your account. Just think of this service as an 'Emergency Cash Reserve'. There is no charge if you don't use it.

Download and Print Overdraft Forms