At 121 Financial Credit Union, we have several checking account options to meet your needs. Whether you’re looking for a long list of perks, need an account for your young teen, or want a free no-frills account, we have you covered.

All of our checking accounts come with free online banking, free e-statements, free Visa debit card, free mobile banking and alerts, and more!

Need help with your application?

Right Choice Checking & Right Choice Plus Checking

Right Choice Checking is loaded with valuable benefits and designed to provide vital protection for your finances (IDProtect®), savings incentives, and rewards on everyday purchases -- all for only $4.95 a month. For even more benefits, including a higher interest rate on your money, upgrade to our popular Right Choice Plus Checking account.

Click here for a full list of benefits on both types of accounts. Then apply online.

Already have Right Choice checking? Log into your Right Choice account here.

Basic Checking

This is our no-frills checking account. All of our checking accounts give you access to over 30,000+ nationwide, surcharge-free ATMs, free withdrawals at Publix Presto! ATMs, and free access to more than 5,600 shared branches.

Apply online.

MyMoney Teen Checking

121 Financial teen checking

Got a teenager (13 to 17) who's ready for independence and to learn about money? If a parent is already a member of 121 Financial, then they eligible for our new MyMoney teen checking account. It only takes $25 to open the account (same as Basic) and, after that, there are no balance minimums or service fees. Your teen also gets a free Visa debit card and free access to online and mobile banking.

Apply online or download an application to bring into your local branch.

Compare Our Checking Accounts

Minimum $25
Monthly Service Fee
Free Online Banking
Free Mobile Banking and alerts
Free Mobile check Deposit
Free Unlimited Bill Pay
Free 121 Financial Visa Debit Card
Overdraft Protection
Free e-Statements
Unlimited Usage of 121 Financial ATMs
Free withdrawals at Publix Presto! ATMs
Access to 30,000+ Nationwide, Surcharge-Free ATMs
Free access to 5,600+ shared branches nationwide
6 Free withdrawals at non-121 Financial ATMs per month
$hopping RewardsTM
50 free checks at account opening
Waive annual fee on 121 Financial Visa Signature Card
Interest earned with balance of $2,500 or more

Updated March 1, 2018

Terms and Conditions

See fee schedule for further details.