August 13, 2026

Which Account Types Can Access the Investment Feature in Digital Banking?

Have you tried to use the investment feature in the First Commerce Credit Union app but found it unavailable? In most cases, it comes down to the type of account you’re using and your ownership status on that account.

Here’s a quick breakdown.

Which account types can be used for investing?

To use the investment feature, you’ll need an eligible personal account. Stocks, ETFs and cryptocurrencies can be purchased through the First Commerce Credit Union app in partnership with InvestiFi* using:

  • Personal checking accounts
  • Savings accounts
  • Money Market accounts

Which account types aren’t eligible?

At this time, the investment feature is only available for personal accounts. Business accounts, trust accounts, and other non-personal account types are not able to use the investment feature.

What if I have a joint account?

This is where some members run into questions.

If you’re the primary account holder on an eligible account type, you can access and use the investment feature through Digital Banking.

If you’re a secondary account holder, you won’t currently be able to access the investment feature through that joint account.

I’m a secondary account holder. What can I do?

You still have options:

  • Open a personal main share savings or checking account with First Commerce, or
  • Transfer funds from your joint account to an existing primary Share Savings account in your name

Once you have a personal account as the primary owner, you’ll be able to access the investment feature through the app.

Need help?

If you’re unsure about your account setup, our team is happy to help. Contact us by calling 850-488-0035 or 1-800-533-5772, and we’ll help you find the best path to start investing through Digital Banking.

*Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration does not imply a certain level of skill or training. AdvisiFi is a wholly-owned subsidiary of InvestiFi Inc (“InvestiFi”). Brokerage services are provided by InvestiFi Securities LLC (“InvestiFi Securities”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers and members of FINRA/SIPC. Brokerage services are available only to residents of the United States and in jurisdictions where InvestiFi Securities is registered. Brokerage and advisory accounts are not held with the financial institution and are held with AdvisiFi, InvestiFi Securities, and RQD, respectively. You may check the background of these firms by visiting FINRA’s BrokerCheck. Cash and securities offered by InvestiFi Securities and held by RQD are (1) not insured by the FDIC, NCUA or other government agency, or by any private insurance offered in lieu of FDIC or NCUA coverage, (2) not guaranteed, (3) not financial institution deposits or obligations, and (4) may lose value.
Digital assets (cryptocurrencies) are made available and held in a digital asset wallet operated by BitGo Bank & Trust, National Association (N.A.) (“BitGo”), not First Commerce Credit Union, InvestiFi, or its affiliates. BitGo is a separate entity from, and not an affiliate of, First Commerce Credit Union or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of First Commerce Credit Union or BitGo; (3) not guaranteed by First Commerce Credit Union or BitGo; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow member recourse; and (7) by a third party. First Commerce Credit Union may receive compensation from your purchase of digital assets. Digital assets (i.e., cryptocurrencies) held in your digital asset wallet operated by BitGo (i.e. Crypto ) are not insured by any government or private entities, including, but not limited to, NCUA or ASI/ESI. Your digital investing does not support wallet-to-wallet transferring of your digital assets (i.e. Cryptocurrencies). You should carefully consider whether buying or holding digital assets is suitable for you, given your financial situation. Digital assets are not obligations of First Commerce Credit Union or BitGo and are not guaranteed by First Commerce Credit Union or BitGo.
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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.