Community First

Get $200 with Free Checking

Open a new Community First Checking Account and spring into a better local banking experience! Plus, get a $200 cash bonus* with your first account!

Apply Now

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Community First Checking Accounts

Taking control of your wallet has never been easier! At Community First, we constantly strive to provide exceptional, personalized service whether you're banking in person and online. Live your best life when you open your first Checking Account and get access to exclusive benefits like a special $200 cash bonus*, high-yield rates up to 3.04% APY**, early access to your paychecks**, and more! Open a new account today so you can take advantage of a local banking partner that puts you first.

Open your checking account online in minutes using promo code: FREECHECK

FREE Checking benefits:

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$200 cash bonus

Get a $200 cash bonus* when you open your first Checking Account.

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High-yield Rates

Earn 3.04% APY on your first $500** with an Advantage Checking account.

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Early paychecks

Access your paychecks up to two days early.***

Community First Visa Debit Card

How to get your $200 cash bonus

Getting your $200 cash bonus* is simple! All you need to do is:

  • Must open your first checking account using our promo code: FREECHECK
  • Make 10 debit transactions in the first 90 days of account opening.
  • Make deposits totaling $1,000 or more in the first 90 days of account opening.


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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

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.

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.

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.

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.

*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 2/1/2024. 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