Checking Accounts

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 $35 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 ($10 cost) . 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 $35.

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 $35 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 ($10 cost) 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 $35.

"No Frills" Checking

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

Features

• Only $25 to open a checking account; must have a share account, so $35 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 (cost of $10) 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 $35.

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 $10 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 ($10 cost) to become a member of the credit union. So, the total cost to open a Teen Checking account is $20.