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Checking Accounts 2

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 goals a reality. 


Free Checking Account

Easy to open and effortless to maintain, our FREE checking account offers all of the features you desire with no monthly fee. Learn more.

Rewards Checking Account

Looking for a checking account that pays you? Enjoy dividends, more free ATM locations and ATM refunds with Tampa Bay Federal Rewards Checking. Learn More.    

Smart Start Checking Account

A starter checking account designed just for members age 15 to 22. 

Fresh Start Checking Account

Checking account for Tampa Bay Federal members with bruised credit or banking history that needs a fresh start. Learn more.



To open your account, visit any branch location or call us at 813-247-4414. 


Enjoy the Benefits.

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. 

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

Learn More about CU Shared Branches.

Find a Shared Branch Service Center

Free Overdraft Protection

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.


Ready to Make the Switch?

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


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as high as 

1.90%* APY

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