Checking Accounts

Checking Account

Our checking account features no minimum balance requirements and has no monthly service fee or per check charges.  Overdraft protection is automatic.  Carbonless copy checks eliminate the need for cancelled checks.  Monthly statements are provided for your ease in record-keeping.  You may also be eligible for our Courtesy Pay program. (You will need to Opt-In for Courtesy Pay for your VISA Debit Card transactions.)  

 

FEATURES
  • No minimum balance requirement
  • FREE Online Banking with Bill Pay
  • FREE Online Statements
  • FREE ATM Card or Visa Debit Card
  • FREE Direct Deposit
  • Overdraft Protection from Savings Account
  • Courtesy Pay after 90-days

REQUIREMENTS

  • Must be at least 18 years of age
  • Must maintain the $5 minimum balance in your Savings Account

 


Green Checking Account

Earn interest on your checking balances with our Green Checking account!  Open a Green Checking account or switch your regular checking account today and start earning interest on your balances.

 

  • You earn dividends on your total balance when your monthly average balance is greater than $2,499.00.
  • You receive your monthly statement notice by email which is much faster than regular mail.
  • You will have free access to Home Banking where you can monitor your account 24/7.
  • You reduce the amount of paper the Credit Union uses.
  • You reduce the Credit Union's postage paid each month.

Unlike other financial institutions, your Credit Union does not require you to have direct deposit into checking. It does not require you to make several debit card transactions each month before you can earn interest on your checking account. And, if you miss a requirement, they pay you nothing for that month. Plus, the other guys limit how much you can have in your account that can earn interest. Your Credit Union does not do that. Green Checking is a win, win situation. You earn money and your Credit Union saves money.

 

FEATURES
  • No minimum balance requirement
  • FREE Online Banking with Bill Pay
  • FREE Online Statements
  • FREE ATM Card or Visa Debit Card
  • FREE Direct Deposit
  • Overdraft Protection from Savings Account
  • Courtesy Pay after 90-days

REQUIREMENTS

  • Must be at least 18 years of age
  • Must maintain the $5 minimum balance in your Savings Account
  • Must register for Homebanking & eStatements  

 


Second Chance Checking

At Baptist Health South Florida FCU, we believe in second chances. If your account with BHSFFCU was previously closed due to a negative account balance or loan charge-off and you have paid off the balance(s) in full, you can now open a Second Chance Checking Account.  Applicants must meet membership eligibility requirements.

 

The Second Chance Checking Account allows members to get back on track with most of the conveniences they need, while they work toward regaining full access to Credit Union products and services.

 

While the account does incur a $5.00 monthly service charge, Members are eligible for an upgrade to a regular checking or dividend checking account after 12 consecutive months of successfully maintaining the Second Chance Checking Account. During a consecutive 12-month period, members must not exceed 3 NSFs of any kind and any negative balances must be paid within 30-days.

 

FEATURES
  • No minimum balance requirement
  • FREE Online Banking with Bill Pay
  • FREE Online Statements
  • FREE ATM Card
  • FREE Direct Deposit
  • Overdraft Protection from Savings Account

REQUIREMENTS

  • Must be at least 18 years of age
  • Must maintain the $5 minimum balance in your Savings Account
  • All negative balances and loan charge offs must be paid in full
  • No current delinquency with BHSF FCU
  • No prior Second Chance Checking Account 
RESTRICTIONS
  • No Visa Debit Card
  • No free box of checks
  • No Courtesy Pay

 


 

$250,000 Share Insurance

Each member's account is federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF).  IRA's are separately insured up to $250,000.