Special Closing – Tues, 3/31

On Tuesday, March 31st, all 121 Financial Branches will close at NOON to facilitate the system merger with Duval Federal Credit Union.

Please note that from noon until approximately 9 a.m. Wednesday, April 1st, Online Banking, Mobile Apps (including Remote Deposit), and Private Line will also be unavailable.

We apologize for the inconvenience and thank you for your cooperation.

Attention Duval FCU Members

When logging on to home banking, use your NEW 121FCU account number and the last FIVE digits of your SSN as your password. You will be prompted to change it.

To access your DUVAL credit card information, visit EzCardInfo.

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Online Banking is Down

Special Closing – Tues, 3/31

On March 31st, all 121 Financial Branches temporarily closed to facilitate the system merger with Duval Federal Credit Union. Online Banking unavailable until April 1st at approximately 9 a.m. [More…]

Mobile Apps, Remote Deposit, and Private Line will also be unavailable.

We apologize for the inconvenience and thank you for your cooperation.

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Checking Accounts

Did you know that checking accounts don’t need paper checks to access? While we still call it checking, they would more accurately be called transaction or spending accounts. At 121 we have three checking accounts from which to choose, and a debit card which you can use to access them 24/7.

Eco Checking

Economically and ecologically sound — this is our most popular checking account. Perfect for: Those who do not maintain a high balance, use the ATM frequently, are enrolled in Private PC (Online Banking) with eStatements, and don’t write checks often.

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You Receive:

  • No monthly checking account fee.
  • FREE 121 FCU Visa® Debit Card
  • Unlimited ATM usage at both 121 FCU and non-121 FCU machines
  • Counter checks for those times when you need a paper check.
  • A special rate of $4.50/month on our Benefits Plus® Discount Program (compare to regular rate of $6.50/month)

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Totally Free Checking

Perfect For: Those who don’t keep a high balance in checking, and use ATMs moderately.

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You Receive:

  • No monthly checking account fee.
  • FREE 121 FCU Visa® Debit Card
  • One Free box of checks at account opening.
  • Unlimited check writing.
  • Unlimited ATM usage at 121 FCU-owned machines.
  • Six free ATM withdrawals from non-121 FCU machines per month.

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Interest Checking

Perfect For: Those who maintain an average daily balance (ADB) of at least $2,500† and use ATMs moderately.

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You Receive:

  • 121 FCU Visa® Debit Card
  • One Free box of checks at account opening.
  • Unlimited ATM usage at 121 FCU-owned machines.
  • Six free ATM withdrawals from non-121 FCU machines per month.
  • No monthly checking account fee unless ADB falls below $2,500.

†Interest Checking fee on months when average monthly balance is below $2,500 is $10.

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Youth Checking

Perfect For: Older teens who are getting ready to go to college or get their first job.

Our Totally Free Checking Account is one of the most popular services we offer, and it’s available to teens ages 16-17 years.

A Youth Checking Account becomes a Totally Free Checking Account once the member turns 18 years old.

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With our Youth Checking Account you receive:

  • 121 FCU Visa® Debit Card**
  • One free box of checks* at account opening
  • Unlimited check writing
  • Unlimited ATM usage at 121 FCU-owned machines
  • Six free ATM withdrawals from non-121 FCU machines per month.
  • No monthly checking account fee

Note: Checking is available to 16-17 year olds with a parent as joint owner of the account. When the owner of the account becomes 18, the joint owner (their parent/guardian) may sign to come off the account.

**Parent/guardian must sign for a debit card to be issued. A “minor” debit card will be issued, but will incur the following limits:

  • Debit $500.00
  • ATM $205.00 or PIN $205.00
  • Total $705.00
  • Zero Offline and No Deposits at ATMs

Helpful Resource:

Learn more about our products for children, teens, and young adults.

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Debit Cards

You can use your 121 Financial Debit Card to make purchases anywhere Visa® is accepted.

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Senior Set Advantage

If you are 50 years or older, we offer discounted Credit Union services.

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Checkright Program

Perfect For:
Those who want to open a checking account for the first time and do it right, or have had trouble managing their current checking account and have been charged a lot of fees.

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