We believe checking should be free! Other financial institutions charge a monthly service fee or may have complex requirements to get a free checking. At FiCare, there are no hoops, loops, or hurdles. Your account is simply free!


Various Ways to Access

Use your debit card, write checks, withdraw at a branch or ATM, make automatic payments, receive your paycheck by direct deposit, and more.

Unlimited Transactions

There is no limit to the number of transactions you can do on your checking account.

Checking Account Features

Convenient Access Everywhere You Go

Visa® Debit Card

  • Accepted worldwide
  • Includes protection features, such as Verified by Visa and embedded chips
  • Compatible with person-to-person payment apps, like Zelle and Cash App

Free access to over 1,200 ATMs

  • Use FiCare ATMs and Presto! ATMs at Publix stores
  • Access both checking and savings at an ATM

uChoose Rewards®

  • Earn points on every signature-based transaction
  • Redeem points for gift cards, merchandise, travel and more
  • Register your card today to begin earning points!

We’ve Got You Covered

Overdraft Protection

Sometimes things just don't go as planned. Overdraft Protection (Courtesy Pay) helps you:

  • Avoid the embarrassment of a declined debit card transaction.
  • Prevent the hassle and expense of finding alternative payment arrangements.
  • Ensure you have access to funds during unforeseen circumstances and emergencies.

How It Works

We first check to see if funds are available in the savings account to cover the item. If funds are available, we will automatically transfer money to the checking account to cover the overdraft. If funds are not available, opting-in to Courtesy Pay will allow you to overdraft your checking account, up to your approved limit, to pay the item. There is a fee each time you use this service.

  • Direct deposit is required to qualify
  • Maximum $500 limit

Opt in Now


Restrictions apply, ask a Member Service Representative for details.

Simply the Best Way to Manage Your Payments

Interactive Video Player


Online Banking

Feature Highlights

  • Pay virtually anyone. 
  • Same day or next day payments are available.
  • Group payments into categories and set up automatic payments.
  • Receive eBills to go green and make managing your bills easier.
  • Receive updates through email when you receive a bill or when it's due.
  • Search your bill history.
  • Get quick answers to questions you might have through the Message Center.
  • It's completely safe and more secure than mailing paper checks.


Checking Questions


uChoose Rewards is a registered trademark of Fiserv, Inc.


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