Checking Accounts

Free Checking

Keep it simple. Whether you need to build up your banking history or just want the bare essentials, our “no frills” checking account is totally free and delivers the banking basics.

Features

• Only $25 to open a checking account; must have a share account, so $30 total for both.
• FREE Visa® debit card, with ability to download the Card Valet mobile app for added protection
• Surcharge-free access to 30,000+ ATMs nationwide
• FREE cash withdrawals at Publix Presto! ATMs
• Access services at 5,600+ shared branches

*Please note, you need to establish a share account (min. deposit of $5) and become a member of the credit union to open a checking account. So, the total amount to open a “No Frills” Checking account is $30.

Right Choice Checking

Protect yourself, your family, and your finances with our Right Choice Checking account, which comes with a host of safeguards against identity theft and fraud. In addition, you enjoy a range of exclusive savings, discounts, and rewards for everyday purchases and expenses.

For less than 17 cents a day, you enjoy the peace of mind and benefits of:

• IDProtect^® identity theft monitoring, which includes:
  • Daily credit file monitoring and alerts of key changes with your Equifax, Experian, and TransUnion profiles.
  • Ability to request your full credit report every 90 days or whenever you receive a credit alert.
  • Resolution support, including your own dedicated fraud resolution specialist, if you ever are the victim of ID theft.
  • Up to $10,000 in identity theft expense reimbursement.
  • Monitoring of your identity across 1,000 databases.
  • Easy cancellation and replacement of your Visa® debit card by calling our toll-free hotline.
• Cell phone protection—up to $300 of replacement or repair cost for a damaged, lost or stolen phone ($50 deductible).
• Discounts for travel and leisure, including printable online coupons and discounts on your mobile phone.
• $hopping Rewards—access exclusive offers and discounts at thousands of leading online retailers via a customized shopping portal and receive cash back for your purchases.
• Debit Advantage®, which includes:
  • Coverage of items purchased entirely with your Right Choice account for 90 days in case of accidental breakage, fire, or theft.
  • Extended Warranty that adds an additional year to the U.S. manufacturer’s original written warranty on most new retail purchases (if the warranty is less than five years).
• Healthcare discounts and savings on vision care, prescriptions, and dental services. This is NOT insurance.

Features

• Only $25 to open a checking account; must have a share account, so $30 total for both.
• Easily manage money via online and mobile banking, including mobile check deposits
• Unlimited Bill Pay
• Overdraft protection available
• FREE Visa® debit card, with ability to download the Card Valet mobile app for added protection
• Surcharge-free access to 30,000+ ATMs nationwide
• 6 FREE cash withdrawals at Publix Presto! ATMs each month
• Access services at 5,600+ shared branches
• 6 FREE cash withdrawals at non-121 Financial ATMs each month
• $1 discount on monthly account fee with a monthly direct deposit of $500 or more
• Account fee waived entirely if you have an avg. daily balance of $4,000 or more, or if you are age 62 or older

For more information, including disclosures, download our Right Choice Checking brochure.

*Please note, you need to establish a share account (min. deposit $5) . and become a member of the credit union to open a checking account. So, the total cost to open a Right Choice Checking account is $30.

Right Choice PLUS

Right Choice PLUS Checking offers even more benefits and features in addition to the vital protection and rewards you receive with a Right Choice account, including accrued interest on balances of more than $2,500 (which practically pays the difference in monthly fee for this comprehensive account).

So, for less than 22 cents a day, you can rest easy knowing you’re protected from the dangers of debit card fraud, identity theft, and other modern financial risks.

Features

• Only $25 to open a checking account; must have a share account, so $30 total for both.
• Easily manage money via online and mobile banking, including mobile check deposits
• Unlimited Bill Pay
• Overdraft protection available
• FREE Visa® debit card, with ability to download the Card Valet mobile app for added protection
• Surcharge-free access to 30,000+ ATMs nationwide
• 6 FREE cash withdrawals at Publix Presto! ATMs each month
• Access services at 5,600+ shared branches
• 6 FREE cash withdrawals at non-121 Financial ATMs each month
• 50 FREE checks at account opening
• $1 discount on account fee with a monthly direct deposit of $500 or more
• Account fee waived entirely if you have a avg. daily balance of $8,000 or more, or if you are age 62 or older

For more information, including disclosures, download our Right Choice Checking brochure.

*Please note, you need to establish a share account (min. deposit $5) and become a member of the credit union to open a checking account. So, the total cost to establish a Right Choice Checking account is $30.

Teen Checking

Teens are more likely to make smart financial decisions in the future by learning how to be responsible with their money today. Setting up a Teen Checking account with 121 Financial Credit Union is the start of “real adulting.”

Features

• Teenagers (ages 13-17) of members are eligible
• Only $10 to open an account; plus $5 to become a credit union member
• NO balance minimums
• Easy to manage money through online and mobile banking
• FREE Visa® debit card, with ability to download the Card Valet mobile app for added protection

*A parent or guardian must be a current 121 Financial member. And you need to establish a share account (min. deposit $5) to become a member of the credit union. So, the total cost to open a Teen Checking account is $15.