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Home > Understanding Checking & Savings
Understanding Checking & Savings7/10/2025

Savings jar with coins and cash

At Members First Credit Union of Florida, we recognize that everyone's financial journey is unique, and we are committed to providing tailored solutions to meet your individual needs. Whether you're managing day-to-day expenses or building a savings cushion for the future, our checking and savings accounts are designed to support your financial goals with flexibility and convenience. Here's how we can help you make the most of your finances:

Checking Accounts

  • Everyday Convenience: Our checking accounts offer easy access to your funds with features like online and mobile banking, debit cards, and unlimited check writing. Whether you're paying bills, shopping, or managing your household budget, our accounts provide the tools you need to simplify your financial life.
  • No Hidden Fees: We believe in transparent banking, which is why our checking accounts come with no hidden fees, giving you peace of mind and more control over your finances.
  • Direct Deposit: Enjoy the convenience of direct deposit, ensuring your paycheck is automatically credited to your account, giving you quicker access to your money.
  • Fresh Starts: We understand that life can sometimes take unexpected turns, and financial missteps can happen to anyone. That's why we're proud to offer our Second Chance Checking account—a unique opportunity for individuals looking to rebuild their financial standing without judgement and regain control over their finances.

Savings Accounts

  • Savings Options: Whether you're saving for a rainy day, a big purchase, holiday spending, or your future, our savings accounts offer options and competitive interest rates to fit your needs and help your money grow.
  • Automatic Savings Tools: Make saving effortless with automatic transfers from your checking to your savings account. Set it and forget it, and watch your savings grow over time.
  • Goal-Oriented Savings Solutions: Set specific savings goals and track your progress with our digital tools. Whether you're saving for a vacation, a new car, or an emergency fund, we'll help you stay on course.

 

Ready to Make the Most of Your Finances?

Explore how our checking and savings accounts can be tailored to fit your lifestyle and financial goals. View our Checking and Savings options or visit one of our branches to learn more about how Members First Credit Union of Florida can support your journey to financial well-being. We're here to help you every step of the way!

Why Choose Members First?

  • Member-Centric Service: As a credit union, our focus is always on our members. We strive to provide exceptional service and personalized guidance to help you achieve your financial goals.
  • Community Commitment: We are deeply invested in the well-being of our community and are proud to support local initiatives that make a positive impact.
  • Innovative Financial Solutions: From competitive rates to easy-to-use digital banking services, we offer a range of innovative solutions to enhance your financial experience.

Save With Us Explore Our Checking Options

Speak With a MFCUFL
Financial Representative.

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For further information on all Credit Union deposit accounts, please refer to our Account Disclosures, give us a call at (850) 434-2211, or stop by one of our branch locations.


 



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NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.

 

Any external links or websites to alternative sites are not operated by Members First Credit Union of FL. We are not responsible for the content of the alternate site or their accessibility standards.

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