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Submitted URL: https://www.firstcommercecu.org/checking
Effective URL: https://www.firstcommercecu.org/personal/banking/checking/
Submission: On December 07 via api from US — Scanned from DE
Effective URL: https://www.firstcommercecu.org/personal/banking/checking/
Submission: On December 07 via api from US — Scanned from DE
Form analysis 4 forms found in the DOM
Name: Q2OnlineLogin — POST https://ibranchdigital.firstcommercecu.org/FirstCommerceCreditUnionOnline/Uux.aspx?ReturnUrl=%2ffirstcommercecredituniononline%2f#/login
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</form>GET https://www.firstcommercecu.org
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</form>Name: Q2OnlineLogin — POST https://ibranchdigital.firstcommercecu.org/FirstCommerceCreditUnionOnline/Uux.aspx?ReturnUrl=%2ffirstcommercecredituniononline%2f#/login
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</form>Text Content
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* Business Vehicle & Equipment
* Business Lines of Credit
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* Business Money Market Accounts
* Business Vehicle Services
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CREDIT UNION DIFFERENCE
BLOG
This Sunday, Dec. 10, from 4am – 10am (EST), we will be undergoing routine
system maintenance. During this time, Member Account Line (bank by phone) and
iAlerts will be unavailable. Digital Banking and ATMs will be available but may
not accurately reflect balances.
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POWER CHECKING
with perks that POWER up everything you do!
Open an Account
POWER CHECKING
with perks that POWER up everything you do!
Open an Account
LIFE IS POWERFUL
Unlock the Power of You at First Commerce!
Learn More
A CHECKING ACCOUNT THAT FITS YOUR LIFE
As you start to earn, save, & spend more, Power Checking makes it easier to do
more! Packed with POWERful perks like instant issue debit card, no overdraft
fees & getting paid up to two days early! All with a financial partner here to
help you unlock the Power of You.
POWERFUL CHECKING ACCOUNTS
Power CheckingPower Checking + CoverMe - $3.99/monthSmartStart (Ages 13 - 17)
What is Power Checking¹?
* This is no ordinary account. In fact, it’s loaded with features, such as
Early Payday, No Overdraft Fees, a $50 CoverMe cushion, Powerful Mobile
Banking, and an Automatic Savings option. Plus, it pays interest on your
account balance. The best part – it’s all free.*
* * Early Payday? – Yes
* Earns interest? – Yes, rates based on balances
* Monthly fees?– No
* Transaction fees – No
* Minimum opening deposit – $25
* Any Requirements? – Direct deposit required for Early Payday feature.
Ready to power up your finances? Open an Account
Additional Features/Benefits
* * No fees to deposit, withdraw or transfer money
* No fees for Overdraft transfers (transfer from FCCU savings accounts)
* Free digital banking with Mobile Deposit, Zelle & BillPay
* Mobile Wallet (Apple, Google & Samsung Pay)
* Free real-time text alerts
* Two free non-FCCU ATM withdrawals per month
* No fees for point-of-sale purchases (grocery store, pharmacy, etc.)
including cash back
* Free e-statements and cleared check images in digital banking
* Free money management tools in digital banking, including SavvyMoney to
monitor and improve your credit score
* Free financial education with our SmartMoney online courses
* Grow savings automatically with our EvenUp Savings option
With Average Daily Balance* of $2,500.00 or more (and at no additional cost):
* Surcharge refunds for transactions at non-First Commerce Credit Union ATMs
* Unlimited withdrawals from non-First Commerce Credit Union ATMs
* Higher ATM and Debit Card limits
* Higher rates on Power Checking Money Market accounts
What is Power Checking + CoverMe²?
Add CoverMe to your Power Checking account for greater financial flexibility,
more overdraft protection, and peace of mind. For just $3.99/month, you’ll get
more CoverMe cushion (up to $100), which could potentially save you hundreds of
dollars.*
* Courtesy Pay/ Overdraft tolerances ranging from $100-$1,000
* A low, flat Courtesy Pay fee of $10 each
* No non-sufficient funds (NSF) fees
To add CoverMe to your Power Checking account, you may send a request using any
of the following options:
* Secure Message through Digital Banking
* Email to Member Services – Include “Add CoverMe” in the subject line
FCCUMemberServices@FirstCommerceCU.org. Messages received after regular
business hours will be responded to the next business day.
* Call a Member Service Representative at 850.488.0035 Option 4 or
1.800.533.5772 during regular business hours (Monday-Friday, 9:00 a.m. – 5:00
p.m. ET).
* Visit any of our 14 locations
What is SmartStart³?
Start your financial future off on the right foot with SmartStart Teen Checking.
This account is designed to help members ages 13-17 build good money habits
early to ensure their financial journey is a success from the start.*
* * Minimum opening deposit– $25
* Monthly fees?– No
* Any requirements?
* Must be age 13-17
* Completion of the online SmartStart Checking Account Management Module to
open account
* Bring birth certificate or government issued photo ID, as well as your
social security number.
Contact us to open
Additional Features/Benefits
* No adult co-signer required
* Free instant issue debit card
* Powerful digital banking tools
* Free money management tools in digital banking
* Mobile Wallet (Apple, Google & Samsung Pay)
* Free real-time text alerts
* Four (4) free non-FCCU ATM withdrawals per month
* No fees for point-of-sale purchases (grocery store, pharmacy, etc.) including
cash back
* Free financial education with our SmartMoney online courses
* Grow savings automatically with our EvenUp Savings option
POWERFUL CHECKING ACCOUNTS
Power Checking
What is Power Checking¹?
* This is no ordinary account. In fact, it’s loaded with features, such as
Early Payday, No Overdraft Fees, a $50 CoverMe cushion, Powerful Mobile
Banking, and an Automatic Savings option. Plus, it pays interest on your
account balance. The best part – it’s all free.*
* * Early Payday? – Yes
* Earns interest? – Yes, rates based on balances
* Monthly fees?– No
* Transaction fees – No
* Minimum opening deposit – $25
* Any Requirements? – Direct deposit required for Early Payday feature.
Ready to power up your finances? Open an Account
Additional Features/Benefits
* * No fees to deposit, withdraw or transfer money
* No fees for Overdraft transfers (transfer from FCCU savings accounts)
* Free digital banking with Mobile Deposit, Zelle & BillPay
* Mobile Wallet (Apple, Google & Samsung Pay)
* Free real-time text alerts
* Two free non-FCCU ATM withdrawals per month
* No fees for point-of-sale purchases (grocery store, pharmacy, etc.)
including cash back
* Free e-statements and cleared check images in digital banking
* Free money management tools in digital banking, including SavvyMoney to
monitor and improve your credit score
* Free financial education with our SmartMoney online courses
* Grow savings automatically with our EvenUp Savings option
With Average Daily Balance* of $2,500.00 or more (and at no additional cost):
* Surcharge refunds for transactions at non-First Commerce Credit Union ATMs
* Unlimited withdrawals from non-First Commerce Credit Union ATMs
* Higher ATM and Debit Card limits
* Higher rates on Power Checking Money Market accounts
Power Checking + CoverMe - $3.99/month
What is Power Checking + CoverMe²?
Add CoverMe to your Power Checking account for greater financial flexibility,
more overdraft protection, and peace of mind. For just $3.99/month, you’ll get
more CoverMe cushion (up to $100), which could potentially save you hundreds of
dollars.*
* Courtesy Pay/ Overdraft tolerances ranging from $100-$1,000
* A low, flat Courtesy Pay fee of $10 each
* No non-sufficient funds (NSF) fees
To add CoverMe to your Power Checking account, you may send a request using any
of the following options:
* Secure Message through Digital Banking
* Email to Member Services – Include “Add CoverMe” in the subject line
FCCUMemberServices@FirstCommerceCU.org. Messages received after regular
business hours will be responded to the next business day.
* Call a Member Service Representative at 850.488.0035 Option 4 or
1.800.533.5772 during regular business hours (Monday-Friday, 9:00 a.m. – 5:00
p.m. ET).
* Visit any of our 14 locations
SmartStart (Ages 13 - 17)
What is SmartStart³?
Start your financial future off on the right foot with SmartStart Teen Checking.
This account is designed to help members ages 13-17 build good money habits
early to ensure their financial journey is a success from the start.*
* * Minimum opening deposit– $25
* Monthly fees?– No
* Any requirements?
* Must be age 13-17
* Completion of the online SmartStart Checking Account Management Module to
open account
* Bring birth certificate or government issued photo ID, as well as your
social security number.
Contact us to open
Additional Features/Benefits
* No adult co-signer required
* Free instant issue debit card
* Powerful digital banking tools
* Free money management tools in digital banking
* Mobile Wallet (Apple, Google & Samsung Pay)
* Free real-time text alerts
* Four (4) free non-FCCU ATM withdrawals per month
* No fees for point-of-sale purchases (grocery store, pharmacy, etc.) including
cash back
* Free financial education with our SmartMoney online courses
* Grow savings automatically with our EvenUp Savings option
PACKED WITH PERKS AND BENEFITS
With any of our checking accounts, you’ll get
Instant-Issue Debit Card
No Minimum Balance Requirement
Free Online & Digital Banking
Nationwide Network of ATMs
Powerful Money Management Tools
Free Access to Financial Education
IT'S EASY TO SWITCH TO YOUR NEW CHECKING ACCOUNT AT FIRST COMMERCE!
EasySWITCH let’s you switch your direct deposit and recurring payments in just a
few minutes! You can be sure you’re getting paid how you want, when you want. No
more waiting on employers or paper forms. We can take care of everything. Learn
more.
MEMBER TESTIMONIAL
“I’m writing to indicate how pleased and grateful I am with the services
provided. I would highly recommend anyone, including friends and family, to bank
at First Commerce for all of their banking needs.”
OPENING A CHECKING ACCOUNT IS EASY
Open online instantly or visit one of our 14 financial centers, call our Contact
Center, email us, or schedule an appointment.
Open an Account Schedule an Appointment
MANAGE MONEY YOUR WAY
Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
Learn More
EvenUp Savings Account
Make saving money automatic! When you make a purchase with your FCCU debit card,
we’ll round up the amount to the next whole dollar and transfer the difference
automatically to your EvenUp Savings Account.
Learn More
Visa Credit Cards
Choose our low-interest Visa card, or earn points with our Rewards Visa card to
use toward travel, gift cards, cash, and more.
Learn More
Previous
EvenUp Savings Account
Make saving money automatic! When you make a purchase with your FCCU debit card,
we’ll round up the amount to the next whole dollar and transfer the difference
automatically to your EvenUp Savings Account.
Learn More
Visa Credit Cards
Choose our low-interest Visa card, or earn points with our Rewards Visa card to
use toward travel, gift cards, cash, and more.
Learn More
Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
Learn More
EvenUp Savings Account
Make saving money automatic! When you make a purchase with your FCCU debit card,
we’ll round up the amount to the next whole dollar and transfer the difference
automatically to your EvenUp Savings Account.
Learn More
Visa Credit Cards
Choose our low-interest Visa card, or earn points with our Rewards Visa card to
use toward travel, gift cards, cash, and more.
Learn More
Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
Learn More
EvenUp Savings Account
Make saving money automatic! When you make a purchase with your FCCU debit card,
we’ll round up the amount to the next whole dollar and transfer the difference
automatically to your EvenUp Savings Account.
Learn More
Visa Credit Cards
Choose our low-interest Visa card, or earn points with our Rewards Visa card to
use toward travel, gift cards, cash, and more.
Learn More
Next
WHO WE ARE
Established in 1940, First Commerce is a full-service, not-for-profit credit
union with locations across North Florida and South Georgia. We are a
member-owned cooperative and committed to the communities we serve. Our purpose
is to empower people to enhance their financial well-being by helping them
achieve their financial goals – whether it’s simplifying their day-to-day
finances, buying their first car or home, or building a great retirement. When
you bank with First Commerce, you get a truly personal experience backed by 80
years of financial expertise.
--------------------------------------------------------------------------------
¹Minimum opening deposit for Power Checking Checking is $25. No minimum balance
required. Must meet minimum criteria for usage of FCCU Mobile Deposit. Standard
carrier text/data rates may apply. Members must be 18 years of age or older to
open an account and Power Checking Money Market. Early PayDay requires a direct
deposit of the member’s paycheck or government benefits via the Automated
Clearing House (ACH) no less frequently than monthly. Early access to direct
deposit funds depends on timing of the payment file submission from the payer.
FCCU generally makes these funds available on the day the payment file is
received, which may be up to 2 days earlier than the scheduled payment date. For
government benefits, this could be up to 4 days early. There are no overdraft
fees for the first $50.00 a member’s account goes into the negative. CoverMe
Overdraft Protection up to $50.00 is provided at no cost. However, there may be
out-of-network or third- party fees associated with ATM transactions. CoverMe
Overdraft Protection does not cover money movement through apps such as Zelle®,
Venmo, and Cash App. Courtesy Pay Protection beyond the $50 CoverMe cushion is
not available with Power Checking. NSF fees are capped at five (5) fees per day.
Members may make up to two (2) free non-First Commerce Credit Union ATM
withdrawals per month after which there is a fee for additional withdrawals at
non-FCCU ATMs.
²Minimum opening deposit for Power Checking + CoverMe is $25. For Power Checking
+ CoverMe accounts, members are eligible for Early PayDay. Early PayDay requires
a direct deposit of the member’s paycheck or government benefits via the
Automated Clearing House (ACH) no less frequently than monthly. Early access to
direct deposit funds depends on the timing of the submission of the payment file
from the payer. We generally make these funds available on the day the payment
file is received, which may be up to 2 days earlier than the scheduled payment
date. For government benefits, this could be up to 4 days early. With an average
daily balance (ADB) of $2,500.00 or more members are eligible for: 1) surcharge
refunds for withdrawals at non-First Commerce Credit Union ATMs, 2) unlimited
withdrawals from non-First Commerce Credit Union ATMs, 3) higher ATM and Debit
Card limits, and 4) higher rates on Power Checking Money Market accounts. NSF
fees are not assessed on Power Checking + CoverMe accounts. Members may make up
to two free non-First Commerce Credit Union ATM withdrawals per month after
which there is a fee for additional withdrawals at non-FCCU ATMs as disclosed in
the Schedule of Fees and Charges. Although there are no overdraft fees for the
first $100 a member’s account goes into the negative, there may be
out-of-network or third- party fees associated with ATM transactions. Courtesy
Pay Protection is available, and CoverMe Overdraft Protection is provided up to
$100.00. CoverMe Overdraft Protection is not available to cover money movement
through apps such as Zelle®, Venmo, and Cash App. Members must be 18 years of
age or older to select the Power Checking + CoverMe account.
³Minimum opening deposit for SmartStart Teen Checking is $25. No minimum balance
required. Approval required for usage of FCCU Mobile Deposit. Standard carrier
text/data rates may apply. Members must be 13-17 years of age to open a
SmartStart account. There may be out-of-network or third- party fees associated
with ATM transactions. Members may make up to four (4) free non-First Commerce
Credit Union ATM withdrawals per month after which there is a fee for additional
withdrawals at non-FCCU ATMs. For SmartStart Teen Checking, completion of
SmartStart Checking Account Management course is required. To open account,
bring a screenshot or print out showing the Checking Account Management course
completion to one of our locations or call us.
For complete terms & conditions, call 850.488.0035 or 1.800.533.5772, or visit
one of our locations. Insured by NCUA.
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Six Pillars Financial Advisors products and services are not federally insured;
are not obligations of or guaranteed by First Commerce Credit Union; involve
investment risk; and may be offered by a dual employee who accepts deposits on
behalf of First Commerce Credit Union and also sells non-deposit investment
products on behalf of Six Pillars Financial Advisors.
* Contact Us
* Careers
* Privacy Policy
* Terms and Conditions
* Accessibility
* Site Map
Contact Us
Careers
Privacy Policy
Terms and Conditions
Accessibility
Site Map
--------------------------------------------------------------------------------
Routing #263182516 | NMLS #774895 © First Commerce Credit Union
Routing #263182516 NMLS #774895
© First Commerce Credit Union
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of the new site, which we encourage you to review and may differ from those of
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PLEASE NOTE
Some documents on our website may not be compliant with the Americans with
Disabilities Act (ADA) Standards for Accessible Design. If you are having
trouble viewing a document on our website, please contact us for assistance at
850.488.0035 or 1.800.533.5772. Thank you.
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