Are you over 50?
You may qualify for our
Senior Set Advantage Program!
A Checking Account with Florida Telco offers you affordability, convenience, and flexibility.
Access to your Account is convenient with ATMs, Visa® Debit Card, Private Line and Private PC. Your first box of checks are free when you open an account.
Deposit your paychecks directly to your Checking Account quickly and conveniently with Direct Deposit.
We offer 3 types of Checking Account in order to best fit your needs.
Totally Free Checking
Our Totally Free Checking Account is one of the most popular services we offer. That's because there's no monthly service charge, no per check charges, and you can view and print your cleared check images via Private PC, our online banking service - at no charge.
Perfect For:
Those who don’t keep a high balance in checking, and use ATMs moderately.
You Receive:
- One Free box of checks* every year
- Unlimited check writing
- Unlimited ATM usage at FTCU-owned machines
- Six free ATM withdrawals from non-FTCU machines per month.
- No monthly checking account fee
- Free Debit card, eligible to be enrolled in Combined Rewards.
Interest Checking
If you tend to keep more money in your Checking Account, Interest Checking may be your best choice. Check out our Rates!
Perfect For:
Those who maintain an average daily balance (ADB) of at least $2,500† and use ATMs moderately.
You Receive:
- One Free box of checks* every year
- Unlimited ATM usage at FTCU-owned machines.
- Six free ATMwithdrawals from non-FTCU machines per month.
- No monthly checking account fee unless ADB falls below $2,500
- Free Debit card, eligible to be enrolled in Combined Rewards.
Eco Checking
Have the convenience of online and atm usage, while being environmentally conscious with paperless eStatements!
Perfect For:
For those who do not maintain a high balance, use the ATM frequently, are enrolled in Private PC (Internet banking) with eStatements, and don’t write checks often.
You Receive:
- Unlimited ATM usage at both FTCU and non-FTCU machines
- Free Debit card, eligible to be enrolled in Combined Rewards.
- Counter checks for those times when you need a paper check.
- No monthly checking account fee.
* Free checks are FTCU standard design.
† Interest Checking fee on months when average monthly balance is below $2,500 is $10.
See Debit Card brochure for Surcharge-free ATMs
Your Florida Telco Debit Card
You can use your Florida Telco Debit Card to make purchases anywhere Visa® is accepted.
Make Purchases
When there's no keypad - just present your card and sign the receipt. You don't need to enter a PIN.
If there is a keypad - swipe your card and:
- select "credit" and sign for your purchase, unless you want cash back.
- If so, select "debit" and enter your PIN when prompted. Either way, the money always comes from your Checking Account.
Get Cash
Your Florida Telco Debit Card is also your ATM card which means you can use it to get cash at thousands of ATMs around the world. You can also transfer funds, make deposits and check your balance at any Florida Telco ATM, or at many ATMs on the CUHere network.
*Foreign ATMs are those not owned by FTCU.
