Go to main content RATES LOCATIONS/HOURS HELP Banking Credit Cards Borrow Business Advice Why Tropical Manage My Loan CHECKING & DEBIT ACCOUNTS THAT REWARD YOU We're here to help you feel good about getting a better checking account OPEN YOUR CHECKING ACCOUNT .. OPEN NOW Daily Rewards Debit (MOST POPULAR) Account Highlights: No monthly service fee No minimum balance required Earn 2 cents on every retail purchase Rewards credited to your account the next business day Limit of 40 daily transactions Best for those who want to be rewarded for their purchases Included Features TFCU Mobile App Mobile Deposit Anywhere, Anytime 24/7 Free Bill Pay Free E-Statements No ATM Fees Debit Card On/Off with CardValet See Schedule of Fees OPEN NOW Premium Checking Account Highlights: Monthly service fee waived if you meet one of the following: Direct deposit of at least $500 to savings or checking/debit Daily minimum balance of at least $1,500 in checking/debit A first mortgage with TFCU Free: notary services, cashier checks, shared branching transactions, incoming wires and more Earn interest by maintaining a minimum daily balance of $2,500 Best for those looking for lower costs and better benefits. Included Features: TFCU Mobile App Mobile Deposit Anywhere, Anytime 24/7 Free Bill Pay Free E-Statements No ATM Fees Debit Card On/Off with CardValet See Schedule of Fees OPEN NOW Perks Debit Account Highlights: A low monthly service fee of $6 No Minimum Balance No Direct Deposit Required Mobile Phone Coverage Credit Monitoring, Credit Report and Score Dark Web Monitoring Identity Theft Recovery Services Shopping Discounts and more! Best for those wanting to get exclusive account perks. Included Features: TFCU Mobile App Mobile Deposit Anywhere, Anytime 24/7 Free Bill Pay Free E-Statements No ATM Fees Debit Card On/Off with CardValet See Schedule of Fees See Video On Step By Step Guide To Opening Your Account CHOOSING A CHECKING ACCOUNT SHOULDN'T FEEL FRUSTRATING All our checking and debit accounts include these features to help simplify your banking anywhere, anytime. ONLINE & MOBILE Get easy access to your account with online and mobile banking. Download the TFCU mobile app from the Android & Apple stores. View balances, transfer funds and deposit checks 24/7. Click here for IOS | Click here for Android OVERDRAFT PROTECTION Don’t get hit with a fee. Account holders over 18 are eligible to opt into overdraft protection. Funds automatically transfer from savings or personal line of credit to avoid the overdraft fee. CREDIT SCORE Easily track, manage and view your credit score and report by opting into Credit Score. It’s a free tool available to all members with a TFCU account. DEBIT MASTERCARD WITH PURCHASE REWARDS With TFCU’s Purchase Rewards program, account holders can earn cash back on retail purchases made with a TFCU Debit Mastercard. CARDVALET Take control of your TFCU debit card with CardValet. Set usage preferences, control how and where your card is used and avoid fraud by turning your card on and off. Get More Details Here CHANGED Get ahead of student loan payments with ChangEd. Connect your TFCU account and spare change on purchases will be transferred over to a student loan. Learn more here “They have excellent customer service, the transactions are easy, no matter what it is that I need they always find a way.” Deon Member since 1998 OPENING YOUR CREDIT UNION ACCOUNT IS EASY Follow these simple, easy steps to open your credit union checking or debit account 1 YOUR INITIAL DEPOSIT An initial deposit of at least $25 is required to open credit union checking or debit accounts. You are eligible for membership if you reside or work in the following Florida counties: Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee or Sarasota. 2 DIRECT DEPOSIT If you are planning to set up direct deposit to your new account, you will need to provide your payroll department or Social Security with TFCU's ABA Routing Number (267077847) and your TFCU account number. 3 WHAT YOU NEED Whether you open an account online or at a local South Florida branch, you will need a valid form of identification such as a US passport or State-issued Driver’s License. If adding a beneficiary, their date of birth and social security number are required. Disclosure TFCU membership required with $5.00 minimum in savings. Must reside in a state within TFCU lending area. YOU CAN FEEL GOOD ABOUT BANKING Join thousands of others across South Florida who feel good about banking with a better checking account. OPEN YOUR CHECKING ACCOUNT GET ANSWERS TO COMMON FLORIDA CHECKING ACCOUNT QUESTIONS How do I report a lost or stolen debit card? How can I cancel or stop payment on check or a transaction coming through my account? How do I reorder personal checks? Does Tropical FCU offer Overdraft Protection? What is Tropical Financial Credit Union’s routing number? Where can I find a TFCU Direct Deposit form? Have a question but don't want to wait on hold? REQUEST A CALL BACK “My whole family banks with Tropical Financial and the service is incredible. The quality of service, the attention the employees give me is 100%. I couldn’t ask for more.” Alex Member since 1999 THIS CREDIT UNION IS FEDERALLY-INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION. NMLS ID 407683. DISCLOSURES | SECURITY | CONSUMER FEE SCHEDULE | BUSINESS FEE SCHEDULE | ACCESSIBILITY STATEMENT | PRIVACY NOTICE | ABA ROUTING # 267077847 | P.O. BOX 829517, PEMBROKE PINES, FL 33082-9917 | 888-261-8328 THIRD PARTY LINK DISCLAIMER - LINKED WEBSITES ARE NOT UNDER THE CONTROL OF TROPICAL FINANCIAL CREDIT UNION AND WE ARE NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED WITHIN A LINKED SITE. THE PRIVACY OR SECURITY POLICIES AT A LINKED SITE MAY BE DIFFERENT FROM THOSE PRACTICED AT TROPICAL FINANCIAL CREDIT UNION AND YOU SHOULD REVIEW THE PRIVACY POLICY OF ANY LINKED SITE. COPYRIGHT 2020 TROPICAL FINANCIAL. ALL RIGHTS RESERVED.