Free Checking That Rewards You—Your Way
Choose Daily Rewards Checking to earn cash back on everyday purchases, or MAX Rewards Checking to earn a competitive APY on higher balances—both with no monthly service fee or minimum balance required.
Free Daily Rewards Checking
-
Earn 2 cents on every retail purchase1
Rewards credited to your account the next business day.
- No Monthly Service Fee
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- No Minimum Balance Required
- No ATM Fees from Tropical
- Digital Banking Access
- e-Statements
MAX Rewards High Yield Checking
-
4.30% APY2 on Balances up to $5k when you:
- Enroll in e-statements
- Minimum of $900 in direct deposits per month
- Minimum of 25 debit card purchases per month
- No Monthly Service Fee
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- No Minimum Balance Required
- No ATM Fees from Tropical*
- Digital Banking Access
- e-Statements
Opening Your Credit Union Checking Account Is Easy
Follow these simple, easy steps to open your credit union checking 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, Sarasota, Monroe, Charlotte, or Manatee.
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.