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Best Banks & Checking Accounts in Jacksonville, Florida - May 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 5, 2026

The best checking rates for Jacksonville, Florida include RadiFi Credit UnionRadiFi Credit Union562 Park St, Jacksonville, FL 32204 2918A+5.0 ★Texas Ratio: 1.96% Make Waves High Yield Checking at 4.00% APY, Community First Credit Union Of FloridaCommunity First Credit Union Of Florida637 N Lee St, Jacksonville, FL 32204 1141A+5.0 ★Texas Ratio: 4.11% Advantage Checking1 at 3.04% APY, FLC BankFLC Bank10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256A+5.0 ★Texas Ratio: 1.89% Business Solutions Checking and higher at 1.51% APY, EverBankEverBank4211 San Juan Ave, Jacksonville, FL 32210B4.5 ★Texas Ratio: 20.65% Non-Profit Checking at 1.00% APY, and First Florida Credit UnionFirst Florida Credit Union500 W 1st St, Jacksonville, FL 32202 3939A+5.0 ★Texas Ratio: 3.26% Premium Interest Checking at 0.25% APY. Checking account rates as of May 5, 2026 according to verified data from MonitorBankRates.

Jacksonville has 8 local institutions in our database, with checking rates as high as 4.00% APY from RadiFi Credit Union at 562 Park St, Jacksonville, FL, 32204 2918. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Jacksonville, Florida. Checking Account Rates Last Updated and Verified: May 5, 2026

Compare Checking Account Rates Today in Jacksonville, Florida & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St
Jacksonville, FL 32204 2918
Make Waves High Yield Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St
Jacksonville, FL 32204 1141
Advantage Checking1
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking and higher Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$1,000,000

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking Business
1.14%
$0
View
▼
Rate1.13%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$500,000 - $999,999.99

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave
Jacksonville, FL 32210
Non-Profit Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave
Jacksonville, FL 32210
Business Interest Checking Business
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave
Jacksonville, FL 32210
Small Business Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$100,000 - $499,999.99

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave
Jacksonville, FL 32210
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
500 W 1st St
Jacksonville, FL 32202 3939
Premium Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
500 W 1st St
Jacksonville, FL 32202 3939
Premium Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
500 W 1st St
Jacksonville, FL 32202 3939
Premium Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
4500 San Pablo Rd S
Jacksonville, FL 32224 1865
Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Dividends are compounded and credited monthly.

Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
2205 Haines St
Jacksonville, FL 32206 3301
Share Draft Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking Less Than Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$24,999

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$25,000 - $99,999.99

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
9987 Pritchard Rd
Jacksonville, FL 32219 2894
Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
High-Yield Checking
5.05%
$0
View
▼
Rate5.05%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St
Jacksonville, FL 32204 2918
Make Waves High Yield Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St
Jacksonville, FL 32204 1141
Advantage Checking1
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave
Jacksonville, FL 32210
Non-Profit Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
500 W 1st St
Jacksonville, FL 32202 3939
Premium Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave
Jacksonville, FL 32210
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
500 W 1st St
Jacksonville, FL 32202 3939
Premium Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
500 W 1st St
Jacksonville, FL 32202 3939
Premium Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
High-Yield Checking
5.05%
$0
View
▼
Rate5.05%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $10,000.00

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Consumer Interest Checking
4.25%
$10,000
View
▼
Rate4.17%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

First Port City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
Port City Rewards Interest Checking
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Consumer Interest Checking
4.00%
$10,000
View
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
High-Yield Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
E-Checking
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Achieva Checking Platinum Plus Account (ACPP)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Consumer Interest Checking
2.50%
$10,000
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

First Port City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
Port City Rewards Interest Checking
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
1.06%
$50
View
▼
Rate1.05%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

BROWARD HEALTHCARE
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $25,000.00

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.65%
Rewards Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Platinum Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Premium Rewards Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
Ignite Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
1.06%
$50
View
▼
Rate1.05%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Essential Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Ocala Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Economy Free Pension Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Student Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking and higher Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$1,000,000

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking Business
1.14%
$0
View
▼
Rate1.13%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$500,000 - $999,999.99

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave
Jacksonville, FL 32210
Business Interest Checking Business
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave
Jacksonville, FL 32210
Small Business Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$100,000 - $499,999.99

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$25,000 - $99,999.99

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking Less Than Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$24,999

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
4.25%
$10,000
View
▼
Rate4.17%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
4.00%
$10,000
View
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
Business Checking Plus Interest Business
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
3.00%
$10,000
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
2.75%
$10,000
View
▼
Rate2.72%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Business IOTA Checking Business
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
2.50%
$10,000
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
1.65%
$10,000
View
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Business Titanium Checking Business
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
1.40%
$10,000
View
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
1.25%
$10,000
View
▼
Rate1.24%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Business Titanium Checking Business
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
NewtekOne Business Checking Business
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Jacksonville, FL Checking Rate Trends

Compare local Jacksonville, FL checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Florida Checking Trends →
High-Yield Checking — FL Avg
4.400%
▼ 0.236 vs 7 days ago

Florida high-yield checking rates fell 0.236 points over the past 7 days to 4.400% APY.

Free Checking — FL Avg
1.162%
▲ 0.097 vs 7 days ago

Florida free checking rates rose 0.097 points over the past 7 days to 1.162% APY.

As of May 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Jacksonville, Florida directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Jacksonville, Florida. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in FL.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Jacksonville, Florida earn interest?

Most traditional local checking accounts in Jacksonville, Florida earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Jacksonville, Florida FDIC insured?

Yes. Legitimate banks with branches in Jacksonville, Florida are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Jacksonville, Florida

Based on our current data, some of the highest checking account APYs available to residents of Jacksonville, Florida include:
  • RadiFi Credit Union
    Make Waves High Yield Checking — 4.00% APY
  • Community First Credit Union Of Florida
    Advantage Checking1 — 3.04% APY
  • FLC Bank
    Business Solutions Checking and higher — 1.51% APY
  • EverBank
    Non-Profit Checking — 1.00% APY
  • First Florida Credit Union
    Premium Interest Checking — 0.25% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Jacksonville, Florida. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 5, 2026

Jacksonville, Florida Rates & Resources

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