Advantage & Bonus Debit


Take control of your finances and get a $200 cash bonus* when you open a new Community First Advantage or Bonus Debit Checking Account!

Apply Now

Phone and card

Own it with a Free Community First Checking Account

At Community First, you're more than a member, you're an owner. By opening a Advantage or Bonus Debit Checking Account you'll get rewarded for things like online purchases, earn up to a $200* CASH bonus and even get your paychecks up to a day early!***

Community First Checking Account Features:

  • Earn 1.50% APY on your first $500** (for Advantage Checking only)
  • Get up to a $200 cash bonus*
  • Get access to your paychecks a day early***
  • Easily transfer money between accounts
  • No minimum balance required
  • And much more!

how to get your $200* bonus:

Earn $251

When you open a new debit card (Advantage Checking or Bonus Debit) and enroll in the Save My Change Program upon opening.

+ Earn $1502

For starting a Direct Deposit and earning $1,000 within the first 90 days of account opening.

+ Earn $253

For every friend you refer (up to 5 friends). The more friends you refer, the more you earn! Earn up to $125.



apply online

Completing an application online is quick & easy!
It will only take a few minutes. 

Apply Now


call our express team

Still have questions? Reach out to our Express Team
from Monday - Friday: 8am - 6pm.

Call us at 904-224-9077


Schedule An Appointment

Not ready right now? No worries! Schedule an in-person or over-the-phone appointment.

Schedule an Appointment

Federally insured by NCUA. Membership is open to anyone who lives, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation, Miller Electric Company and All offers may end at any time without notice. An initial deposit of $5 to be held in your Community First Share account is required for membership.
 *All offers may end at any time without notice. A $25 minimum deposit is required to open a new Community First checking account. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). When applying online use code CHK2021Must mention this offer at time of account opening. When applying online use code CHK2022. Must mention this offer at time of account opening.
*You can get up to a $200 cash bonus upon new account opening:
When applying online use code CHK2022. Must mention this offer at time of account opening.
1 - Receive $25 upon account opening for opening your first Community First Advantage or Bonus Debit checking account and enrolling in the Save My Change Program.
2 - Receive $150 for establishing a cumulative direct Deposit of at least $1,000 within first 90 days of account opening ($150 bonus will be deposited into a new checking account on or around day 91-97 of account opening).
3 - Receive $25 for every friend you refer that opens a Bonus Debit or Advantage checking account (limited to 5 referrals annually). Credit provided when your friend opens a checking account and mentions you as the referrer. Credit and other restrictions apply. Consult a tax advisor for tax consequences. 
**APY= Annual Percentage Yield. Must have an Advantage Checking Account to qualify for 1.50% APY. 1.50% APY on balances up to $500 and 0.05% APY paid on balances above $500. Rates accurate as of 3/1/2021. Must do at least 10 debit card transactions monthly and be enrolled in eStatements to get higher APY on first $500. Restrictions apply and rates can change at any time without notice.
***Members with a checking account are eligible to receive their direct deposits up to one day earlier. No action is required to receive this complementary benefit. Early payment is contingent upon receiving the funds on time. Payment may be delayed.