Deposits

Free Checking in Florida

Grocery bills, mortgage payments, credit card bills, charitable donations  - all the payments you need or want to make are made easier with your Tropical Financial Credit Union checking account.  You can't beat the convenience or the price.  We offer members in Florida full service, free checking with no minimum balance fees, no monthly service fees and no per check charges. And by no charge, we mean free.  Not partially free, or mostly free. Just plain free checking..

Reorder your checks online any time of the day or night. Just click here to place an order, check on the status of an order, select other check designs, and more.

High Yield Interest Checking Accounts

It's so easy to let the money in your checking account work harder for you. With Interest Checking, Tropical Financial gives you attractive interest rates along with the checking options you want.  Say wow to all the best features of our top checking accounts plus interest!  If you’re a Basic member, you will pay a small monthly service fee but, on the good side, you’ll be earning interest and we’re committed to delivering a high yield on your checking account balance.

WindFall Advantage Checking Program

Add a "WindFall" of benefits to your checking account Sign up for our WindFall Advantage program. For only $5 a month, you get:

A free order of checks
Identity Theft Insurance
Common Carrier Insurance
Rx Advantage
Everyday Rebate Rewards
Bonus Travel
Telephone Shopping Service
Payment Card Protection
And much more!  Click here to view all benefits.

And For Your Added Convenience...

Carbonless copies of checks make record keeping easy and optional Overdraft Protection is available from Savings or a Personal Signature Loan.

Reorder your checks online any time of the day or night. Just click here to place an order, check on the status of an order, select other check designs, and more.

Daily ATM withdrawal limits (including point-of-sale transactions using your card and PIN) have increased and are based on account relationship: Look on your monthly statement for your current account relationship status.

Plus: $1,000

Enhanced: $500

i$ucceed or Basic: $500

Check Hold Policy:

Funds from your daily deposits of local and non-local checks will be available immediately based on account relationship up to:

• Plus: $5,000
• Enhanced: $2,000
• i$ucceed or Basic: $500

For a local check the remaining funds will be available on the second business day after the day of your deposit (longer holds may apply). For example, if you have a Basic account relationship and deposit a local check of $700 on a Monday, $500 of the deposit is available immediately. The remaining $200 is available on Wednesday.

For a non-local check the remaining funds will be available on the fifth business day after the day of your deposit (longer holds may apply). For example, if you have a Basic account relationship and deposit a $700 non-local check on Monday, $500 of the deposit will be available immediately. The remaining $200 is available on Monday of the following week. If you deposit checks from both categories $500 from the checks will be available immediately, not $500 from each category of check.

For more detailed information, please contact a TFCU Representative at 305-261-8328 in Miami-Dade County 
or 888-261-8328 elsewhere.