SmartStart Teen Checking

If you're a Florida Commerce member between the ages of 13 and 17, you qualify for the SmartStart Teen Program featuring checking and loan services.

The Florida Commerce SmartStart Teen Checking Account:

• No monthly service charges (the checking account is FREE)
• Your first box of checks is free when you complete our Online SmartStart Checking Tutorial . Just bring in your certificate of completion when you sign up for your account.
• Free MasterCard Check Card
• Free Online banking via iBranch!
• You don't need to keep a minimum balance to avoid monthly charges ( but try not to let it get down to zero)
• You only need $5.00 or more in your savings account
• You don't pay ATM fees when you use an FCCU ATM or make a purchase at Point of Sale machine (grocery store, pharmacy, attractions)
• No account co-signer required!

SmartStart MasterCard ATM/Debit Card

As a member you are also entitled to the SmartStart MasterCard ATM/debit card. Your debit card can be used at any Florida Commerce ATM and anywhere MasterCards are accepted. Your "no annual fee" MasterCard ATM/debit card works like an "electronic check." Although it closely resembles a credit card, there's one big difference: debit card transactions are deducted from your checking account balance. Make sure you have sufficient funds in your account to cover all purchases.

SmartStart Member Advantages

As a SmartStart member, you can borrow money if you demonstrate you have the ability to make your loan payment. If you're under 18 years old, but a least 16, your parent or legal guardian must be a credit-worthy co-applicant on any loan you wish to make. That means if you don't pay the monthly payment, they will be responsible for making the payment for you. (Requires auto-pay from your savings or checking account.)

Loan amounts start at $300 and go up to an amount to purchase a computer or first car. Be mindful that you will be charged a late fee if your payment is late.