<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=489206321732816&amp;ev=PageView&amp;noscript=1"> Free Checking Account in Florida | Daily Rewards Checking | Tropical Financial CU

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.1

Free Daily Rewards Checking Table
Daily Rewards logo with FREE

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 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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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.

Pay Digitally, Earn Instantly

Link your Tropical Financial debit card to Google Pay™, Apple Pay®, or Samsung Pay™ for secure, contactless payments that earn rewards on everyday purchases. You can also send and receive money with Zelle® right from your account, making it easy to pay friends, family, or people you trust.

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

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.

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Financial Institution Monthly 1-Year Total
Big Banks Losing $15 every month -$180
Tropical Financial CU
40 transactions @ $0.02
Earning $0.80 every month +$9.60
Tropical Financial CU Trade-Off $189.60 stays in your pocket

Opening Your Credit Union Checking Account Is Easy

Follow these simple steps:

NO-1

Your Initial Deposit

Eligible members can open a TFCU checking account online or at a local branch with no minimum opening deposit required1. 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

    • 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 a TFCU account with no minimum opening deposit required, 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 logging in to Online Banking.

    • 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.

1  TFCU will deposit the $1 minimum requirement to open your membership savings 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. Monthly fee comparison is based on a potential $15 monthly checking fee. Daily Rewards Debit earnings example is based on 40 qualifying debit card transactions per month at 2¢ per transaction. Actual rewards may vary based on account activity. Membership eligibility required.  

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