Personal > Checking & Savings > Checking

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Checking Accounts

Day to day spending on a whole new level.

Empower Your Everyday Transactions

At RadiFi, our checking accounts redefine convenience and security in banking.

Secure, Reliable, and Easy To Use

Whether you prefer a traditional checking account or one with interest-bearing benefits, RadiFi has the perfect solution for your banking needs. Open your account today for a modern and hassle-free banking experience.

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ONLINE BILLPAY

Easy money management to help you pay bills.

You’ve got enough going on with your day-to-day. Use Free Bill Pay to help with the rest. Schedule one-time or recurring payments to help you get organized and pay your bills on time.

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MOBILE BANKING

Money is mobile and so are you.

Take full advantage of our mobile banking app and enjoy full integration with services like Apple Pay and Mobile Wallet for Android and Samsung devices. All for free.

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FREE DEBIT CARD

Contactless, tap-to-pay Visa debit card.

Access your cash at ATMs and pay for purchases using your RadiFi debit card. It’s quick, easy and secure.

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SURCHARGE-FREE ATMs NATIONWIDE

Convenient access. Everywhere.

A nationwide network of over 30,000 surcharge-free ATMs ensures access to cash whenever you need it.

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5,000+ SHARED BRANCHING LOCATIONS

Full service isn’t limited to your hometown.

Complete a wide variety of transactions, including deposits, withdrawals, transfers, and loan payments at any of the 5,000+ Shared Branching locations.

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GET PAID EARLY

You deserve an advance on your hard-earned cash.

Get access to your paycheck one day before payday when you enroll in direct deposit.

Your Checking Account Options At A Glance

Pick your own path to convenience.

  • BEST IF YOU WANT:

    BEST IF YOU WANT:

  • MINIMUM BALANCE

    MINIMUM BALANCE

  • EARNS DIVIDENDS

    EARNS DIVIDENDS

  • FREE STATEMENTS

    FREE STATEMENTS

  • FREE VISA DEBIT CARD AVAILABLE

    FREE VISA DEBIT CARD AVAILABLE

  • OTHER PERKS

    OTHER PERKS

FREE CHECKING

  • BEST IF YOU WANT:

    No charge convenience

  • MINIMUM BALANCE

    $0

  • EARNS DIVIDENDS

    NO

  • FREE STATEMENTS

    Yes, eStatements or mailed

  • FREE VISA DEBIT CARD AVAILABLE

    YES

  • OTHER PERKS

    No charge for branch, contact center, or co-op shared branch transactions

INTEREST CHECKING

  • BEST IF YOU WANT:

    Interest with free extras

  • MINIMUM BALANCE

    $1001

  • EARNS DIVIDENDS

    YES2

  • FREE STATEMENTS

    Yes, eStatements or mailed

  • FREE VISA DEBIT CARD AVAILABLE

    YES

  • OTHER PERKS

    No charge for branch, contact center, or co-op shared branch transactions

EXTREME CHECKING

  • BEST IF YOU WANT:

    Higher interest with digital tools

  • MINIMUM BALANCE

    $0

  • EARNS DIVIDENDS

    YES3

  • FREE STATEMENTS

    Yes, receive eStatements to earn interest

  • FREE VISA DEBIT CARD AVAILABLE

    YES

  • OTHER PERKS

    One returned item fee refund per year

MAKE WAVES CHECKING

  • BEST IF YOU WANT:

    Highest interest with digital tools

  • MINIMUM BALANCE

    $5,0004

  • EARNS DIVIDENDS

    YES4

  • FREE STATEMENTS

    Yes, receive eStatements to earn interest

  • FREE VISA DEBIT CARD AVAILABLE

    YES

  • OTHER PERKS

    Flexible access to your funds while earning excellent interest

Checking Account Rates

Checking Accounts

Account

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APYs listed are current as of 03/01/2024. Rates are subject to change without notice.
**Account Qualifications must be met to earn stated APY for Extreme Checking and Make Waves High Yield Checking.

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

$5,000- $15,000

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%**

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

$15,000.01 or greater

Dividend Rate

1.490%

Annual Percentage Yield*

1.500%**

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

Qualifications not met

Dividend Rate

0.000%

Annual Percentage Yield*

0.000%

Account

Extreme Checking

Minimum balance to earn dividends

$0-$5,000

Dividend Rate

0.747%

Annual Percentage Yield*

0.750%**

Account

Extreme Checking

Minimum balance to earn dividends

$5,001

Dividend Rate

0.049%

Annual Percentage Yield*

0.050%**

Account

Extreme Checking

Minimum balance to earn dividends

Qualifications not met

Dividend Rate

0.000%

Annual Percentage Yield*

0.000%

Account

Interest Checking

Minimum balance to earn dividends

$2,500

Dividend Rate

0.050%

Annual Percentage Yield*

0.050%

Account

Free Checking

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

Account

Teen Checking

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

PUT YOUR CHECKING ACCOUNT TO WORK FOR YOU

Open a Make Waves High Yield Checking Account today

Learn More

OUR MEMBERS EMPOWER US

We’re dedicated to empowering you, which fuels everything we do.

JAXFCU (now RadiFi) is an awesome credit union! I love being a member! Always friendly and efficient and take care of my financial needs. Thank you!

— Suzanne T., Member

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It’s Easy To Get Started

We’re ready to introduce you to a whole new level of convenience.

Open a New Account
Get started online
Call Us
904-475-8000

Disclosures

*APY = Annual Percentage Yield. Advertised APYs are subject to change at any time without notice. Fees may reduce earnings. 

1 $100 minimum balance required to avoid $3.50 monthly service fee.

2 Interest paid on balances of $2,500 or more.

3 Requires direct deposits of $500 or more and 10 or more debit card purchases per month.

4 Account qualifications must be met to earn stated APY. 

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