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COMMUNITY FIRST

Earn $200 With Your First Checking Account

Open a new Community First Checking Account and enjoy a reliable, convenient banking experience. Plus, you can earn $200* when you open your first Checking Account!

Apply Now

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Your Money Deserves a Community That Cares.

Ready for a banking experience that supports you?

You're already smart with your money, now, make the switch to a local partner that’s focused entirely on your financial well-being. When you open a Community First Checking Account, you get more than just an account, you join a supportive community. Get $200* PLUS high-yield rates up to 3.04% APY* when you open your first Checking Account today. Stop settling and start earning!

Open your checking account online in minutes using promo code:

Checking benefits:

READY TO GET STARTED?

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new to community first?
apply online

Completing an application online is quick & easy! Use code: FREECHECK when applying online.

Apply Now
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already a member?
apply in online banking

You can complete an application right in your Community First Online Banking. 

Apply in Online Banking
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call our new accounts team

Still have questions? Reach out to our New Accounts Team from Monday - Friday: 8am - 5pm.

Call us at 904-712-2822
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Schedule An Appointment

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

Schedule an Appointment
HOW TO GET YOUR $200
Community First Credit Union Visa Debit Card
Use Promo Code FREECHECK
Open your first Community First checking account and use promo code FREECHECK. Then, make 10 debit card transactions and make at least $1,000 in deposits all within the first 90 days of account opening.*
PLUS! TAKE ADVANTAGE OF
Community First Jacksonville Icemen Visa Debit Card
Jax Icemen Visa® Debit Card!
Take your team spirit to the next level with this special edition card! It's the perfect way to show your pride for the Jacksonville Icemen and live the ultimate fan experience every time you make a purchase!

Helpful Resources

How to Select a Checking Account

Not all checking accounts are created equal, and you deserve the best. This useful guide is designed to help you weigh all the options available and find the perfect checking account to meet your needs.

+ Read more

Is it Bad to Have Multiple Checking Accounts?

Having multiple checking accounts can be very useful if you’ve ever struggled with organizing and tracking your spending. Here are the things to consider when you are preparing to open more than one checking account.

+ Read more

Benefits of Banking Locally

When choosing a bank, many people tend to base their decision on the benefits they’ll receive. While these are important to keep in mind, it’s also important to think about where you bank.

+ Read more

Federally insured by NCUA. All new accounts and loans are subject to approval and membership eligibility required. Please visit our website at communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements.

*Earn $200 for opening your first Community First checking account, completing deposits totaling $1,000 or more that post within the first 90 days of account opening, and making 10 or more qualifying debit card transactions that post within 90 days of account opening. $200 bonus will be credited to the eligible checking account on or around day 91-97 of account opening. When applying online, you must use code FREECHECK to be eligible for this offer. When applying in-person you must mention this offer at time of account opening to be eligible. Promotion is only applicable once per checking account and per member. Members with an existing personal checking account with Community First Credit Union or who have closed a checking account with Community First Credit Union previously are not eligible to participate. In order to receive the reward, the new checking account must remain open and in good standing with a balance ≥$0.01 until the reward is deposited. Reward forfeiture will occur if the checking account is closed prior to the reward being deposited, or the new checking account has a negative available balance at the time of qualification validation. All offers may end at any time without notice.

**APY= Annual Percentage Yield. Must have an Advantage Checking Account to qualify for 3.04% APY. 3.04% APY on balances up to $500 and 0.05% APY paid on balances above $500. Rates accurate as of 07/28/2025. 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 can receive their direct deposits up to two days earlier. No action is required to receive this complementary benefit. Early posting of the direct deposit is contingent upon receiving the funds from the sender. Payment may be delayed