Accounts for Every Stage of Life

We believe your checking account should be more than debits and credits. That’s why we offer a variety of powerful features with every account designed to help you enhance your financial well-being. Plus, our local team is here to help you at every stage of your financial journey.


Packed With Perks and Benefits

Select an account to fit your lifestyle.

Instant-Issue<br>Debit Card

Instant-Issue
Debit Card

No Minimum<br>Balance Requirement

No Minimum
Balance Requirement

Free Online<br>& Digital Banking

Free Online
& Digital Banking

Nationwide<br>Network of ATMs

Nationwide
Network of ATMs

Powerful Money<br>Management Tools

Powerful Money
Management Tools

Free Access to<br>Financial Education

Free Access to
Financial Education

What’s Your Best Checking Option?

Try our Account Chooser to find the best account for you.

Explore Our Checking Accounts

Accelerate

Fuel your finances with the online Accelerate Account and manage your money anytime, anywhere, right from your favorite device. With early payday and CoverMe Overdraft Protection, you’re in the driver’s seat for fast, secure digital banking with lots of perks.

  • Minimum deposit amount – $25
  • Monthly cost – $5.99/month
  • Any requirements? – Direct deposit required for Early Payday feature
  • Features/benefits
    • Get paid up to two days early (requires direct deposit)
    • No fees for overdrawing your account up to $100 with CoverMe Protection
    • Instant-issue debit card that works with Apple Pay® and Google Pay™
    • Powerful digital banking tools that give you more control of your money

iEarn!50+

Power up to get the most out of life over 50 with iEarn! 50+ Checking. Enjoy all the benefits of iEarn!, plus receive extra perks and our highest checking account interest rates.

  • Minimum deposit amount – $5,000
  • Monthly fees – No
  • Earns interest? – Yes
  • Any requirements? – Must be age 50 or older
  • Features/benefits
    • Earn higher rates on a Money Market Account4
    • No charge for any ATM withdrawals (U.S. only)
    • Access to financial planning through
    • Six Pillars Financial Advisors
    • Receive 25% rebate on identify theft protection
    • Get $20 discount on safe deposit boxes5

iEarn!50+ Checking Interest Rates

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.990.00%0.00%
$1,000.00 – $2,499.990.05%0.05%
$2,500.00 – $4,999.990.10%0.10%
$5,000.00 – $9,999.990.15%0.15%
$10,000.00 – $24,999.990.20%0.20%
$25,000.00 and above0.25%0.25%
Average Daily Balance
Balances up to $999.99
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Average Daily Balance
$1,000.00 – $2,499.99
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Average Daily Balance
$2,500.00 – $4,999.99
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Average Daily Balance
$5,000.00 – $9,999.99
Dividend Rate
0.15%
Annual Percentage Yield
0.15%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Average Daily Balance
$25,000.00 and above
Dividend Rate
0.25%
Annual Percentage Yield
0.25%

SmartStart

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 deposit amount – $25
  • Monthly fees – No
  • Earns interest? – No
  • Any requirements?
  • Features/benefits
    • No adult co-signer required
    • Free instant issue debit card
    • Grow savings automatically with our EvenUp Savings option
    • Powerful digital banking tools
    • 4 free non-FCCU ATM withdrawals per month
    • No fees for point-of-sale purchases (grocery store, pharmacy, etc.) including cash back

iEarn!

Open a checking account that works as hard as you do. With this interest-earning account, put the power of your money to work so you can focus on more important things.

  • Minimum deposit amount – $1,000
  • Monthly cost – No
  • Earns interest? – Yes! (interest earning on $1,000+)
  • Any requirements?
    • Must maintain an Average Daily Balance of $1,000 during the prior month to receive ATM surcharge refunds
    • Must generate 10 or more debit card or check based transactions in account monthly to earn the higher tier of rates on money market account
  • Features/benefits
    • Competitive tiered Interest rates
    • Interest on average daily balances over $1,000 plus higher rates on our Money Market account*
    • No charge for First Commerce ATM withdrawals
    • Optional automatic transfers to your First Commerce Money Market account

iEarn! Checking Interest Rates

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.990.00%0.00%
$1,000.00 – $2,499.990.05%0.05%
$2,500.00 – $9,999.990.10%0.10%
$10,000.00 – $24,999.990.15%0.15%
$25,000.00 and above0.20%0.20%
Average Daily Balance
Balances up to $999.99
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Average Daily Balance
$1,000.00 – $2,499.99
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Average Daily Balance
$2,500.00 – $9,999.99
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate
0.15%
Annual Percentage Yield
0.15%
Average Daily Balance
$25,000.00 and above
Dividend Rate
0.20%
Annual Percentage Yield
0.20%

MyWay

Maximize the start of your financial journey by opening a MyWay Checking account, our award-winning program for ages 18-291,2. MyWay members also have an exclusive opportunity to apply for an annual $1,000 MyWay Scholarship.

  • Minimum deposit amount – $25
  • Monthly fees – No
  • Earns interest? – No
  • Any requirements? – Ages 18-29
  • Features/benefits
    • Instant issue debit card at account opening
    • Powerful digital banking tools Grow savings automatically with our EvenUp Savings option
    • Get a free yearly credit report review
    • 2 free non-FCCU ATM withdrawals per month
    • Apply for $1,000 MyWay College Scholarship (annual opportunity)

Simplifi (Free)

Enjoy checking with no hassles so you can live life simply and have more time for all the things you love.

  • Minimum deposit amount – $25
  • Monthly fees – No
  • Earns interest? – No
  • Any requirements? – Minimum opening balance $25
  • Features/benefits
    • Instant issue debit card
    • Grow savings automatically with our EvenUp Savings option
    • Free First Commerce ATM withdrawals; 4 free non-FCCU ATM withdrawals per month.

Accelerate

Fuel your finances with the online Accelerate Account and manage your money anytime, anywhere, right from your favorite device. With early payday and CoverMe Overdraft Protection, you’re in the driver’s seat for fast, secure digital banking with lots of perks.

  • Minimum deposit amount – $25
  • Monthly cost – $5.99/month
  • Any requirements? – Direct deposit required for Early Payday feature
  • Features/benefits
    • Get paid up to two days early (requires direct deposit)
    • No fees for overdrawing your account up to $100 with CoverMe Protection
    • Instant-issue debit card that works with Apple Pay® and Google Pay™
    • Powerful digital banking tools that give you more control of your money

iEarn!

Open a checking account that works as hard as you do. With this interest-earning account, put the power of your money to work so you can focus on more important things.

  • Minimum deposit amount – $1,000
  • Monthly cost – No
  • Earns interest? – Yes! (interest earning on $1,000+)
  • Any requirements?
    • Must maintain an Average Daily Balance of $1,000 during the prior month to receive ATM surcharge refunds
    • Must generate 10 or more debit card or check based transactions in account monthly to earn the higher tier of rates on money market account
  • Features/benefits
    • Competitive tiered Interest rates
    • Interest on average daily balances over $1,000 plus higher rates on our Money Market account*
    • No charge for First Commerce ATM withdrawals
    • Optional automatic transfers to your First Commerce Money Market account

iEarn! Checking Interest Rates

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.990.00%0.00%
$1,000.00 – $2,499.990.05%0.05%
$2,500.00 – $9,999.990.10%0.10%
$10,000.00 – $24,999.990.15%0.15%
$25,000.00 and above0.20%0.20%
Average Daily Balance
Balances up to $999.99
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Average Daily Balance
$1,000.00 – $2,499.99
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Average Daily Balance
$2,500.00 – $9,999.99
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate
0.15%
Annual Percentage Yield
0.15%
Average Daily Balance
$25,000.00 and above
Dividend Rate
0.20%
Annual Percentage Yield
0.20%

iEarn!50+

Power up to get the most out of life over 50 with iEarn! 50+ Checking. Enjoy all the benefits of iEarn!, plus receive extra perks and our highest checking account interest rates.

  • Minimum deposit amount – $5,000
  • Monthly fees – No
  • Earns interest? – Yes
  • Any requirements? – Must be age 50 or older
  • Features/benefits
    • Earn higher rates on a Money Market Account4
    • No charge for any ATM withdrawals (U.S. only)
    • Access to financial planning through
    • Six Pillars Financial Advisors
    • Receive 25% rebate on identify theft protection
    • Get $20 discount on safe deposit boxes5

iEarn!50+ Checking Interest Rates

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.990.00%0.00%
$1,000.00 – $2,499.990.05%0.05%
$2,500.00 – $4,999.990.10%0.10%
$5,000.00 – $9,999.990.15%0.15%
$10,000.00 – $24,999.990.20%0.20%
$25,000.00 and above0.25%0.25%
Average Daily Balance
Balances up to $999.99
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Average Daily Balance
$1,000.00 – $2,499.99
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Average Daily Balance
$2,500.00 – $4,999.99
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Average Daily Balance
$5,000.00 – $9,999.99
Dividend Rate
0.15%
Annual Percentage Yield
0.15%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Average Daily Balance
$25,000.00 and above
Dividend Rate
0.25%
Annual Percentage Yield
0.25%

MyWay

Maximize the start of your financial journey by opening a MyWay Checking account, our award-winning program for ages 18-291,2. MyWay members also have an exclusive opportunity to apply for an annual $1,000 MyWay Scholarship.

  • Minimum deposit amount – $25
  • Monthly fees – No
  • Earns interest? – No
  • Any requirements? – Ages 18-29
  • Features/benefits
    • Instant issue debit card at account opening
    • Powerful digital banking tools Grow savings automatically with our EvenUp Savings option
    • Get a free yearly credit report review
    • 2 free non-FCCU ATM withdrawals per month
    • Apply for $1,000 MyWay College Scholarship (annual opportunity)

SmartStart

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 deposit amount – $25
  • Monthly fees – No
  • Earns interest? – No
  • Any requirements?
  • Features/benefits
    • No adult co-signer required
    • Free instant issue debit card
    • Grow savings automatically with our EvenUp Savings option
    • Powerful digital banking tools
    • 4 free non-FCCU ATM withdrawals per month
    • No fees for point-of-sale purchases (grocery store, pharmacy, etc.) including cash back

Simplifi (Free)

Enjoy checking with no hassles so you can live life simply and have more time for all the things you love.

  • Minimum deposit amount – $25
  • Monthly fees – No
  • Earns interest? – No
  • Any requirements? – Minimum opening balance $25
  • Features/benefits
    • Instant issue debit card
    • Grow savings automatically with our EvenUp Savings option
    • Free First Commerce ATM withdrawals; 4 free non-FCCU ATM withdrawals per month.

Rates are accurate as of December 2, 2022 and are subject to change without notice.

1 Minimum opening deposit for Free and MyWay checking accounts is $25. For iEarn! Checking, the minimum opening deposit and average daily balance to receive benefits is $1,000. No minimum balance required. For iEarn!50+, minimum opening deposit and average daily balance to receive account benefits is $5,000. If average daily balance of $5,000 is not maintained for prior 3 months, account will be switched to an iEarn! Account. 2 iEarn50+ members must be age 50 or older and MyWay members must be 18-29 years old. 3 To receive benefits, average daily balance for iEarn and iEarn 50+ is $1,000. 4 Approval required for usage of FCCU Mobile Deposit. Standard carrier text/data rates may apply. 5 iEarn! And iEarn!50+ members must generate 10 or more debit card or check based transactions in their Checking account monthly in order to earn the higher tier of rates on money market account. 6 $20 discount on safe deposit boxes if aggregate balance is $25,000 or more. For complete terms & conditions, visit FirstCommerceCU.org, call 850.488.0035 or 1.800.533.5772, or visit one of our locations. Insured by NCUA.

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.”

Member Testimonial

Opening a Checking Account Is Easy

Visit one of our 14 financial centers, call our Contact Center, email us, or schedule an appointment.

Manage Money Your Way

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

EvenUp Savings Account

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.

Visa Credit Cards

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.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

EvenUp Savings Account

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.

Visa Credit Cards

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.

Who We Are

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.


  1. Minimum opening deposit for the Accelerate account is $25. No minimum balance required. Approval required for usage of FCCU Mobile Deposit. Standard carrier text/data rates may apply.
  2. 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 payments, this could be up to 4 days early.
  3. Accelerate CoverMe Protection is provided to all Accelerate account members in good standing. Accelerate CoverMe Protection allows Accelerate account members who have maintained an FCCU checking account in good standing for at least 30 days to overdraw their account up to $100 to cover items presented for payment against insufficient available funds at no charge. Your limit will be displayed to you within the First Commerce Credit Union’s digital banking app, iBranch! desktop or mobile app and may be greater than $100. Your limit may change at any time, at FCCU’s discretion. Although there are no overdraft fees for items that take the account into the negative $100 or less, there may be out-of-network or third-party fees associated with ATM transactions. Accelerate CoverMe Protection won’t cover money movement through apps such as Zelle®, Venmo, Cash Apps, etc. Please review Schedule of Fees and Charges for tiered Courtesy Pay fees that apply when account goes negative more than $100.00. Accelerate requires the Direct Deposit of a paycheck or government benefits via the Automated Clearing House (ACH) no less frequently than monthly. The Accelerate account has a $5.99 monthly fee but proves its value with every transaction!
  4. Registration required to enroll in SmartStart Checking Account Management course. To open account, bring a screenshot or print out showing the Checking Account Management course completion to one of our locations or call 850.488.0035 or 1.800.533.5772
  5. Minimum opening deposit for Free and MyWay checking accounts is $25. For iEarn! Checking, the minimum opening deposit and average daily balance to receive benefits is $1,000. No minimum balance required. For iEarn!50+, minimum opening deposit and average daily balance to receive account benefits is $5,000. If average daily balance of $5,000 is not maintained for prior 3 months, account will be switched to an iEarn! Account.
  6. iEarn50+ members must be age 50 or older and MyWay members must be 18-29 years old.
  7. To receive benefits, average daily balance for iEarn and iEarn 50+ is $1,000.
  8. Approval required for usage of FCCU Mobile Deposit. Standard carrier text/data rates may apply.
  9. iEarn! And iEarn!50+ members must generate 10 or more debit card or check based transactions in their Checking account monthly in order to earn the higher tier of rates on money market account. 6 $20 discount on safe deposit boxes if aggregate balance is $25,000 or more.

For complete terms & conditions, visit FirstCommerceCU.org, call 850.488.0035 or 1.800.533.5772, or visit one of our locations. Insured by NCUA.