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

Basic
Checking
Right
Choice
Checking
Right
Choice
Plus
MyMoney
Teen
Checking
Minimum $25
Monthly Service Fee
$0
$4.95
$6.95
$0
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
CardValet
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
IDProtect3
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.