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COMMUNITY FIRST

UNF Visa® debit card

Show off your Osprey Pride with a UNF Alumni Visa® Debit Card from Community First. Plus, open your first account and get up to $200 cash*! 

Apply Online

UNF Debit Alumni

SWOOP With a UNF VIsa® Debit Card!

Get ready to celebrate your alma mater in style by getting an exclusive Community First UNF Visa® Debit Card. With no annual fees, secure transactions, and access to over 85,000 ATMs nationwide, it's a debit card you can trust to take with you anywhere throughout your college career and beyond.

Enjoy unique benefits for University of North Florida students including:

  • $200 bonus with your first Community First checking account1
  • Get paid up to two days early2
  • Earn 3.04% APY on your first $5003
  • Earn up to $300 referring your friends4
  • Access to over 85,000 surcharge-free ATMs nationwide
  • And more!

If you want to replace your current debit card with the special edition UNF Visa® debit card, the card number, expiration date, and CCV code may change.

Here's how you can get your UNF Visa® debit card:

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new to community first?
apply online

Open a UNF Community First Checking Account today! Completing an application online is quick & easy.

Must use code UNF CHECK when applying online to qualify for $200* cash bonus.

Apply Online
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already a member and Want to switch cards?

Call our New Accounts Team at 904-712-2822 Monday - Friday: 8am - 5pm to request your UNF Visa® debit card!

Your card number, expiration date, and CCV code may change when replacing an existing debit card.

Contact Us
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stop by community first at unf

Visit Community First at UNF (located in the Student Union) and someone will be ready to assist you with opening an account!

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HOW TO GET YOUR $200
  • Get $100 when you use your Community First debit card 10 times that have posted within the first 90 days of account opening.
  • Get $100 when you make at least $300 in deposits in the first 90 days of account opening.
  • Must use promo code UNF CHECK to qualify when applying online or in-person.

See disclosures for more details.

Apply Online
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Earn up to $300 For Referring Your Friends!

Don't miss out on referring an Osprey or another friend to Community First and, once your friend opens an account, you'll both get a $25 e-Gift card4. Take advantage of this exclusive offer today! Here's how:

  1. Go to this page and enter the email associated with your Community First account to create your personal link.
  2. Once you have your link, you can share it with your friends or family through text, email, or social!
  3. Once your friend opens their membership & checking account, you'll both get a $25 e-Gift card!

 Earn up to $300 a year in referral bonuses!4

Refer a Friend

CHeck out other card options:

UNF VISA® ATHLETICS DEBIT CARD

Community First UNF Athletics Visa® Debit Card

For Osprey fans looking to display their team spirit and celebrate their favorite team.

UNF VISA® Student DEBIT CARD

Community First UNF Alumni Visa® Debit Card

For UNF students who are eager to show their pride both on and off campus.

UNF VISA® PLATINUM CREDIT CARD

Community First UNF Visa® Platinum Credit Card

For students like you to start building credit. Take advantage of competitive rates as low as 14.15% APR.*

Learn more!

FREQUENTLY ASKED QUESTIONS

HOW CAN I GET ONE OF THESE SPECIAL EDITION DEBIT CARDS?

You can get your UNF Visa® debit card by opening a checking account today at the UNF Branch, applying online or scheduling an appointment now!

CAN I SWITCH MY CARD IF I ALREADY HAVE A COMMUNITY FIRST DEBIT CARD?

YES! You are able to switch from your existing debit card to a UNF Visa® Debit Card. Consider the following factors before switching: 

  • If you want to replace your current debit card with the special edition UNF Visa® Debit Card, the card number, expiration date, and CCV code may change.
  • This means, you will likely need update any automatic payments with your new UNF Visa® debit card number.
CAN I SWITCH TO A SUREBALANCE ACCOUNT?

Of course! The UNF Visa® debit card is available on two of our consumer checking accounts (Advantage and SureBalance).

I STILL HAVE QUESTIONS!

Our New Accounts Team is here to help. Call them at 904.712.2822, and someone will be ready to assist you!

New Accounts Team Hours of Operation:
Monday - Friday: 8 a.m. – 5 p.m.

Helpful resources

REDUCE YOUR STUDENT DEBT
With tuition costs soaring, it's no wonder that student loan debt can feel like a looming cloud. Explore actionable steps you can take to tackle your student loan debt. Click below to learn more!
+ Read more
PAY YOURSELF FIRST
The concept of “paying yourself first” embodies a strategic approach to saving money. Let's explore its potential to reshape the way you think about your money. Click below to learn more!
+ Read more
CREATE A BUDGET
A budget helps you manage your money and enables you to build financial stability and security. Understand the basic budgeting rules and how to manage your expenses. Click below to learn more!
+ 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.
 
1All offers may end at any time without notice. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). Offer is only available to University of North Florida students, faculty, and staff. To open and enroll your new account in the promotion, visit the offer landing page and start an online application. You must enter “UNF CHECK” into the promo code field provided on the online application to be eligible for this offer. You may also enroll your new account in the promotion by applying in-person at our UNF branch location and provide the promo code to the Community First representative at the time of account opening. You are solely responsible for taking this action to be eligible for the Offer.
  1. Receive $100 when making a minimum of 10 transactions with your Community First debit card that has posted within first 90 days of account opening.
  2. Receive $100 for depositing $300 or more within first 90 days of account opening.
The bonus will be credited to the eligible checking account on or around day 91-97 of account opening. Each 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 first (1) and/or second (2) 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.
 
2Members 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. No action is required to receive this complementary benefit. Early payment is contingent upon receiving the funds on time. Payment may be delayed
 
3APY= 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 3/31/2025. 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.
 
4All offers may end or change at any time without notice. For the Advocate and their Friend to qualify for the $25 referral reward, the Friend must open a new membership and checking account at the time of membership opening. The Friend's membership and checking account must be opened online using the Advocate's personalized online link. The Friend must fund a minimum of $5 into their Share account (required for membership) within 30 days of account opening to receive the $25 reward. The referral rewards will be sent to you via digital gift card (your choice of Visa® or Amazon) within 30 days of account opening. Advocate's can earn up to $300 in referral rewards per year. The Advocate must be an existing member of Community First Credit Union to participate. Advocate must enter a valid email address that is tied to their Community First Credit Union account to receive their personalized online link.
 
*APR=Annual Percentage Rate. Rate listed applies to Community First Platinum Visa® Credit Card. Please see our Credit Card rates page for more details.