Checking accounts
What Do I Need to Open a Power Checking Account at FCCU?
To open a Power Checking account, you’ll need to verify your identity and membership eligibility and make the required opening deposits. Power Checking requires a $25 minimum opening deposit. If you’re new to First Commerce, you’ll also open a Share Savings Account with a $5 deposit representing your share of ownership in the credit union.
What You Need to Open
$25 Checking Deposit
A minimum $25 opening deposit for your Power Checking account.
Identity and Eligibility Verification
First Commerce will verify your identity and membership eligibility as part of the account opening process.
$5 Membership Deposit
If you aren’t already a member, you’ll need to open a Share Savings Account with a $5 deposit representing your share of ownership in the credit union.
Opening an account
What Information Do I Need to Open an Account?
online
Opening Your Account Online
During the application, you’ll provide basic contact information, including your name, email address, and phone number. You’ll also answer security questions and make the required opening deposits.
In person
Opening Your Account at a Financial Center
Bring an official photo ID, such as a driver’s license, passport, military ID or other government-issued ID card, along with your social security card.
Eligibility
Are You Eligible to Join?
You may be eligible based on where you live or work in North Florida or South Georgia, an immediate family connection, employment with a participating employer, or by being a Six Pillars Financial Advisors client.
Compare your options
Choose the Account That Fits Your Needs
On a small screen, swipe across the table to compare all three options.
Power Checking
Typical Purpose
Everyday checking that earns interest and has no monthly fee.
Key Benefit
Additional protection when your balance falls short.
Opening Deposit
$25 minimum opening deposit
Best For
Those who want everyday checking with some overdraft protection.
Power Checking + CoverMe
Typical Purpose
Everyday checking with standard CoverMe protection.
Key Benefit
Everyday account features plus a CoverMe cushion.
Opening Deposit
$25 minimum opening deposit; $3.99/month for additional CoverMe.
Best For
Those who want everyday checking with even more overdraft protection.
SmartStart Teen Checking
Typical Purpose
Everyday checking for teens agest 13-17.
Key Benefit
Straightforward checking for those building their financial understanding.
Opening Deposit
$25 minimum opening deposit
Best For
Teens who want to build strong money habits and grow their financial literacy.
Account features vary. Review current rates, fees, minimums, and disclosures for the account you select.
From comparing to choosing
A Simple Way to Move Forward
01
Choose Your Checking Account
Select the account that fits the way you manage your money.
02
Gather What You Need
If you’re opening your account at a financial center, bring your government-issued photo ID and social security card.
03
Open Your Account
Apply online or visit a First Commerce financial center. You can also call First Commerce or schedule an appointment if you'd like help getting started.
A little more clarity
Questions Worth Asking
A few details can make the choice easier.
How much money do I need to open an FCCU checking account?
A minimum opening deposit of $25 is required for Power Checking. If you’re not already a First Commerce member, you'll also need a $5 deposit to open the Share Savings Account that establishes your credit union membership.
Do I have to be a First Commerce member to open a checking account?
Yes. First Commerce Credit Union (FCCU) is a not-for-profit credit union, so you need to be a member to open a checking account. You don’t have to join first, though. You become a member when you open your account, and you can do both at once online, at one of FCCU’s 14 locations in North Florida and South Georgia, or by phone.
Will I get a debit card with my checking account?
Yes. FCCU offers debit card access with its checking accounts. If you open an account at a participating financial center, an instant-issue debit card is available. If you open online, FCCU will mail your debit card to you.
Can I use mobile banking after opening my checking account?
Yes. Once your account is open, you can enroll in FCCU Digital Banking and download the First Commerce mobile app. Digital Banking includes features such as Mobile Deposit, Zelle®, BillPay, transfers, alerts and credit score monitoring.
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