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Checking Accounts

 

The Convenience Checking account features no minimum balance requirement and has no service fees. It offers a free ATM or Visa Debit Card, Overdraft Protection, and Courtesy Pay.  

 
Features
  • No minimum balance requirement
  • No service fees
  • FREE Online Banking with Bill Pay
  • FREE Mobile Banking
  • FREE Online Statements
  • FREE ATM or Visa Debit Card
  • FREE Direct Deposit
  • Overdraft Protection from Savings Account
  • Courtesy Pay after 90-days
 
Requirements
  • Must be at least 18 years of age
  • Must maintain a $5 minimum balance in your Savings Account

Earn interest on your checking balances with our Green Checking account! The Green Checking allows you to earn interest while enjoying no minimum balance, no service fees, free ATM or Visa Debit Card, Overdraft Protection, and Courtesy Pay.

Unlike other financial institutions, your Credit Union does not require you to have direct deposit into checking. It does not require you to make several debit card transactions each month before you can earn interest in your checking account. The Green Checking is a win, win situation. You earn money and your Credit Union saves money by reducing the amount of paper and paid stamps it uses monthly.

 
Features
  • No minimum balance requirement
  • No service fee
  • FREE Online Banking with Bill Pay
  • FREE Mobile Banking
  • FREE Online Statements
  • FREE ATM or Visa Debit Card
  • FREE Direct Deposit
  • Overdraft Protection from Savings Account
  • Courtesy Pay after 90-days

Note: Members must opt-in to receive electronic statements. 

 
Requirements
  • Must be at least 18 years of age
  • Must maintain a $5 minimum balance in your Savings Account
  • Must register for Online Banking & eStatements
 
 
At Baptist Health South Florida FCU, we believe in second chances. If your account with BHSFFCU was previously closed due to a negative account balance or loan charge-off and you have paid off the balance(s) in full, you can now open a Fresh Start Checking account. Applicants must meet membership eligibility requirements.

The Fresh Start Checking is ideal for those who have been restricted from opening a checking account in the past. The account features no minimum balance, no service fees, free ATM or Visa Debit Card, Overdraft Protection, and reduced Courtesy Pay. 

Members are eligible for an upgrade to a Convenience Checking or Green Checking account after 12 consecutive months of successfully maintaining the Fresh Start Checking account. During a consecutive 12-month period, members must not exceed 3 non-sufficient-fees of any kind and any negative balances must be paid within 30-days. 

 
Features
  • No minimum balance requirement
  • FREE Online Banking with Bill Pay
  • FREE Mobile Banking
  • FREE Online Statements
  • FREE ATM or Visa Debit Card
  • FREE Direct Deposit
  • Overdraft Protection from Savings Account
  • Courtesy Pay after 180-days
 
Requirements
  • Must be at least 18 years of age
  • Must maintain a $5 minimum balance in your Savings Account
  • All negative balances and loan charge offs must be paid in full
  • No current delinquency with BHSFFCU
Regarless of the checking account you choose, each account offers the benefit of Overdraft Protection, Courtesy Pay, an ATM or Debit Card and Direct Deposit or Payroll Deduction. 

Overdraft Protection

Prevent going overboard with Overdraft Protection. Every checking account at Baptist Health South Florida Federal Credit Union automatically comes with our Overdraft Protection. It works by using the money available in your savings account and automatically transferring enough funds should you not have the available funds in your checking account. This will prevent you from overdrawing your checking account, as long as you have available funds in your savings. There is no cost for this service.

Courtesy Pay

If you have ever made a mistake in your checking account or written a check for more money than the available balance in the account, you know about the expense and embarrassment that comes with an NSF item. You're covered with Courtesy Pay.

At Baptist Health South Florida Federal Credit Union, our Courtesy Pay program may cover your overdrafts up to $700 for the Convenience and Green Checking Accounts and up to $300 for the Fresh Start Checking Account. So, rather than automatically returning unpaid any non-sufficient funds items that you may have, we will consider, without obligation, payment of your reasonable overdrafts.

Ready to sign up for Courtesy Pay? No need to. We have added Courtesy Pay to eligible checking accounts in good standing. And it costs you nothing unless you use the service. Then our normal non-sufficient funds charge will apply to each item that would create an overdraft on your account. You'll receive a notice each time an overdraft occurs.

So, if you make a mistake in your checkbook...or payday is just too far away...or one of life's unplanned expenses pops up...your checking account is covered with Courtesy Pay. Restrictions do apply. Be sure to review the disclosure carefully.

For additional information regarding the terms and conditions, please see our Courtesy Pay Disclosure.

ATM & Debit Card

Baptist Health South Florida Federal Credit Union ATM and Visa Debit Cards give you the ultimate convenience: access to your money, around the clock, every day of the year.

Because of our affiliation with many networks, your Baptist Health South Florida Federal Credit Union ATM and Visa Debit Card works at thousands of locations world-wide. You can also use one of our conveniently located ATMs machines or any of over 1,000 Publix PRESTO! Network ATMs for FREE. You can also use your Visa Debit Card anywhere that Visa is accepted.

Direct Deposit & Payroll Deduction

Eliminate trips to the Credit Union and waiting in line to cash paychecks. Your paycheck is automatically deposited into your account via electronic funds transfer and available to you on payday. Your full paycheck or just a portion can be deposited into your account(s). It's an easy way to save money and make loan payments.

Please use the following information to set up direct deposit or payroll deductions - Routing Number: 267082201