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Get Beyond Money to secure your financial future with TFCU.
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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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Something Big Has Arrived in Digital Banking

Tropical Financial has launched an all-new digital banking experience. Whether you log in from your phone, tablet, or desktop, you now enjoy faster access, a cleaner design, and smarter tools that make managing your money easier than ever.

Branding Dashboard View V2

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.
  • Explore the cleaner design, faster access, and smarter tools that make managing your money easier than ever.

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

Learn More of Zelle

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Same-Day External Transfers

Move money where it needs to go—quickly, securely, and without the wait

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Secure Messages

Safe, verified, and built right into Online Banking—it’s the easy way to connect with us, get answers, and enjoy better service without worrying about your privacy

National Branches

You can stop by to access your money in person at over 5,000 nationwide shared branches.

Credit Union for shared branching
ATM

Nationwide ATMs

Forget about frustrating ATM fees because you get access to over 30,000 surcharge-free nationwide ATMs.

Frequently Asked Questions

  • Frequently Asked Questions
    • How do I login for the first time to the new online banking platform?

      To get started, enter your current username and password. You’ll then be asked how you’d like to be contacted—by call or text. Your phone number on file will be displayed, and you’ll have the option to update it later under Settings - Security Preferences - Secure Delivery.

      A security code will be sent to your chosen method, which you’ll need to enter before moving forward. Next, you’ll be prompted to create a new password. Be sure to follow the password requirements when setting it up.

      After that, review and acknowledge the First Time Login Disclaimer by checking the box and selecting Submit. If you’re signing in on your personal device, you can choose to register it. If you’re on a public device, we recommend not registering it.

      Once these steps are complete, you’ll be all set to use the new online banking platform.

    • Do I need to enroll to get access to online banking?

      No - For members that are currently using online banking you do not have to enroll. If you have never used our system before, yes, you will need to enroll.

    • What will happen to to my hidden accounts or nicknamed accounts?

      If you’ve nicknamed or hidden any of your accounts, take a moment to review them before the transition. Once you access the new online banking platform, you may need to reset hidden accounts or reapply nicknames, as settings may not carry over automatically. Making note of your current setup will help you confirm everything appears correctly in the new system.

    • Will I still be able to access the new Online Banking platform from my Apple or Android device?

      If you use an Apple device, you’ll simply be prompted to upgrade the existing app, and then you’ll be ready to go.

      If you use an Android device, you’ll need to download the new app to continue accessing Online Banking.

    • Will my pre-scheduled payments and transfers still go through?

      Yes, but we encourage you to review your settings and ensure that all scheduled payments, transfers and Bill Pay items have transitioned correctly, once the new system is live.

  • 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

If you would like to request the removal of your Online/Mobile Banking Account access and related data, simply send an email request to DigitalBanking@tfcu-fl.org.

Please type “Remove Online/Mobile Banking Account” in the subject line of your email and provide us with a good phone number to reach you at. One of our representatives will be in touch with you to confirm the request is valid and initiate the process.

Upon execution of this request, Tropical Financial Credit Union will delete all associated data held in our digital and internet banking system. This data will no longer be accessible or available to any party. Your accounts will remain active, and your account transaction history will remain in our main system history as long as your accounts are open, but all Internet and Mobile Banking data will be deleted.

If you should have any questions, please give us a call at any of our locations and we will be happy to assist you.