CHECKING ACCOUNTS WORTH TALKING ABOUT
Just like other checking accounts but better. We offer a wide range of checking account options to fit your unique needs. The benefits vary, but the main feature regardless of the account you select: Zero hidden fees because the account will not cost you a penny.
Convenience Checking
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 from Savings Account, Courtesy Pay after 90-days of membership, Online Banking with Bill Pay, Mobile Banking, Online Statements, and Direct Deposit.
Must be at least 18 years of age and maintain a $5 minimum balance in your Savings Account.
Green Checking
The Green Checking offers the same features as the Convenience Checking while earning interest on your checking balances!
Unlike other financial institutions, BHSFFCU does not require you to have direct deposit into the account or make several debit card transactions monthly before you can earn interest. With the Green Checking, you earn money and BHSFFCU saves money by reducing paper and paid stamps.
Members must opt-in to receive electronic statements.
Fresh Start Checking
At BHSFFCU, we believe in second chances. The Fresh Start Checking is ideal for those who have been restricted from opening a checking account in the past. The account offers the same features as the Convenience Checking with the only exception being reduced Courtesy Pay.
Members are eligible for an upgrade to a Convenience or Green Checking account after 12 consecutive months of successfully maintaining the Fresh Start Checking account without exceeding 3 non-sufficient-fees of any kind, and any negative balances must be paid within 30-days.
ACCOUNT BENEFITS
Regardless 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, our 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.
Plus, as an added benefit our Visa Debit Cards come with Fraud Monitoring Text Notifications.
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
Order your checks directly through our check supplier Harland Clarke's secure automated system. To get started, you will need our routing number (267082201) and your account number. Please allow 7 to 10 business days for your order to reach your home.
If you have any questions please stop by any of our branches or give us a call at 786-257-2300, we'll be happy to help you!
