As a responsible community partner, we want to help prevent the spread of COVID-19.

  • Therefore, we have decided to transition our branch lobby services to drive-thru only beginning Monday, March 23.
    Drive-thru hours of operation will be Mon. - Thur. 9 am - 5 pm | Fri. 9 am - 6 pm  | Sat. 9 am - 5 pm
  • Branches with no drive-thru (Mandarin, UNF and Riverside) will be completely closed with no services available for the time being.
  • The Yulee branch lobby will remain open on a limited basis. To ensure sufficient social distancing we will limit the number of members to five (5) in the Yulee branch at once. We will reopen our branch lobbies as soon as the situation allows.
  • Due to high call volume, you may experience longer than normal wait times when contacting our member experience center.  We apologize for any inconvenience.  

Bonus Debit Checking

Say goodbye to ATM fees and hello to bonus rewards. With our Bonus Debit Checking account at Community First, you can receive cash refunds for ATM fees and enjoy the opportunity to receive rich rewards throughout the year.

Apply for Bonus Debit Checking

Or call 904.354.8537

Bonus Debit Checking features:

  • Up to $10 in ATM fees refunded monthly*
  • uChoose Rewards (Debit Card rewards)
  • Online and Mobile Banking
  • Bill Pay
  • Low $25 minimum deposit to open
  • No monthly service fees
  • Access to thousands of surcharge-free ATMs and merchants that offer cash nationwide

*An initial deposit of $5, to be held in your Community First Savings (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. A $25 minimum deposit is required to open a checking account, other restrictions may apply and rate is subject to change. Monthly minimum of 20 POS or Signature based debit card transactions monthly and must be enrolled in Online Banking and eStatements to receive ATM refunds and uChoose Bonus Point opportunities. Funds must be available at the time of transaction. Refunds will be posted on the last day of the month. Transactions are counted until 5 p.m. on the last day of the month. Valid email address required for eStatement enrollment. Additional restrictions may apply; refer to the Community First Consumer Membership and Account Agreement.