Requirements: $19.95 monthly fee waived with 25 monthly debit card transactions; or a combined average of $10,000 in business deposit balances (shares, money markets, CDs); or have a combined business loan of at least $50,000, $100 opening deposit, $0.25 each additional item (after the 300 free). An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives, works or attends school in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. Credit and other restrictions apply.