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Home > Personal > Checking > Second Chance Checking

Second Chance Checking


At Members First, we realize nobody is perfect and sometimes your credit score takes a hit. Our Second Chance Checking account* gives you just that … a second chance to start fresh with a checking account from the Credit Union you can trust. If you’ve been unable to open an account due to a ChexSystems report, please see one of our friendly Member Services Representatives today to apply for a Second Chance Checking account* with these benefits:

  • Minimum Balance - $0.00
  • Monthly Maintenance Fee - $12.00
  • Check Card- FREE
  • Direct Deposit - FREE
  • 24-Hour Internet & Phone Banking - FREE
  • Coin Counting~ - FREE for any amount under $100
  • Notary Service - FREE
  • eStatements & Online Cleared Check Images - FREE
  • Checks - VARIES

Checkbook Balancing Worksheet

*Subject to approval. Offer extended to members in ChexSystems due to Non-Sufficient Funds (NSF) activity only. Member's account must have been paid for at least 90 days before Second Chance Checking will be approved. Member may request a Regular Checking account after 12 successful months with no NSFs or overdrafts on the account.
**ATM privileges limited to $500 online and $100 offline.

For further information on all Credit Union deposit accounts, please refer to our Membership and Account Agreement for Terms and Conditions, Electronic Transfers, Funds Availability, Funds Transfers and Truth In Savings. Please also see our Schedule of Fees.

~The fee for machine is 8% for any amount over $100, for consumers.  For business accounts, the fee is 8% of the entire amount. For all non-members, the fee is 20% of the entire amount.

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Members First CU of Florida
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.


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