Checking Accounts

  Keep looking ahead, dreaming of the future.

While checking accounts can be an important part of financial planning, once you choose the right Tampa Bay Federal checking account, you can fully begin to focus on making your dreams come true.                  

	Rewards Checking [-]	Free Checking [-]
I'm looking for a checking account that...	is a high-yield account and refunds ATM fees.	is a low maintenance account with no minimum balance requirements.
Monthly Reward Requirements
Recurring direct deposit or ACH debit
Monthly Rewards
High yield dividends
Up to $25 in ATM fee refunds
Standard Account Features and Benefits
Minimum combined monthly balance of $1,500 in your checking and savings accounts; or $15,000 in combined loan balances OR $5.95 monthly fee.
Special rate discounts/premiums offered on new non-real estate loans and new share certificates
Free ATMs and other services
Free Publix-Presto ATM transactions
Access to 27,000 free CO-OP ATMs nationwide
Access to 4,500 free CU Shared Branch locations
Free debit card and unlimited debit transactions
Free unlimited check writing
Free automatic overdraft protection from savings
Free online banking
Free online bill payment and unlimited bill payments		Free checking: if pay minimum 3 bills per month, otherwise $5.95
Free account eAlerts
Free 24 hour account access by phone
Free eStatements with free online check images, and free eStatement archiving

To open either account, there is no initial checking deposit required if set-up with direct deposit, otherwise a minimum deposit of $50.

Smart Start Checking

A starter checking account designed just for members age 16 to 22. Learn more here.

CU Shared Branches

With shared branching, credit unions from all over the country share facilities to give members thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home, or your favorite travel destination, your credit union is always nearby. Anywhere you see the swirl you can conduct a range of transactions,

• Deposits
• Withdrawals
• Loan Payments
• Make transfers between accounts
• Purchase money orders, travelers checks and official checks*
• And more!

Free Overdraft Protection Plan

All members are eligible for our free overdraft protection plan. When you open your checking account we link your primary savings account to your checking account to automatically cover overdrafts when funds are available.

Courtesy Pay

Courtesy Pay is a fee-based overdraft protection service that allows us, at our discretion, to overdraft your account and pay items or transactions generally up to a maximum of $500 that may normally be returned or denied. You must opt in to this service. Get more details here.

Open Your Checking Account

Visit any branch location or call us at 813-247-4414 to open your checking account today!

Want to Switch Your Checking Account?

Whether you currently have a bank account in Apollo Beach or another at a credit union in Plant City, use our handy forms to move your checking account over to Tampa Bay Federal. Either print them and fill them out by hand or save the PDF Forms to your computer, type your information into them, then print them. Either way, once they're ready, just deliver them to us by mail, fax, or in person and we'll take care of the rest.

Checking Switch Kit Forms:

Checking Account Comparison Chart

Make the Switch Checklist

Transition Checklist

Direct Deposit Authorization

Account Closing Notification