Personal Banking Services
Checking / Share Draft Accounts
At Jackson County 1st Credit Union, we offer members a type of checking account that is unique. It's called a share draft" account. Our checks look like regular checks, function like regular checks and are accepted like regular checks but Jackson County 1st checks are different.
The share draft accounts offer:
Unlimited check writing
No monthly service charges
Overdraft protection¹
No minimum balance required
No service charge for Internet Banking
No service charge for 24 hour Tellerline
Mastercard debit card
ATM (No fee to member using Jackson County 1st ATM, Mastercard debit card, or Mastercard credit card)
¹Overdraft protection by transfer from share account only. No fee for overdraft transfer, up to 6 per month. If there are more than 6 a $32.00 fee will be charged per transfer.
Share Savings Accounts
A share savings account is a basic account at a Credit Union. These accounts pay interest on your savings, providing a safe place for you to store cash. Opening a share account establishes your membership (or ownership) in the credit union, and makes you eligible to use other products like loans, checking accounts and more.
Whether you just need to place a stash of cash short term or you're looking for long-term investment vehicles, your Credit Union has what you need.
Share Certificates
All share certificates earn dividends and are on a fixed "term", which is the number of months or years it will take to reach maturity. During that term, you typically can not take your money out - at least not without paying significantly for the privilege.
Share certificates from your Credit Union are an excellent investment opportunity if you do not need immediate access to your funds and want to invest for longer periods to obtain higher rates of return.
Mastercard Debit & ATM Cards
Your Credit Union offers Mastercard debit cards. There is a one time fee of $5.00 for the initial issuance of the card. Come by and see us and let us give you the details!
Your Credit Union's Mastercard debit card conveniently allows you to make pin and pin-less domestic transactions without the hassle of writing checks. Are you tired of paying fees for cash withdrawals and searching all over town for a surcharge-free ATM? Just like our ATM, at MoneyPass ATMs you won't be charged for ATM transactions. Money Pass has over 30,000 ATM locations. You can make cash withdrawals and balance inquiries from your share and share draft (checking) account 24 hours a day, 7 days a week.
Check out the MoneyPass Locator or download the mobile app to find a location near you, no matter where you are!
Wherever you see the MoneyPass logo, you should NOT be surcharged.
If you have any questions, please call 850-526-4470.
Attention Mastercard Debit Cardholders
The credit unions MasterCard Debit Cards are serviced by brella formally Shazam BOLT$. brella provides up to date fraud detection and instant notifications via phone calls and text messaging to our members. brella will never require any text message answer other than a YES or No response to verify recent suspicious activity or purchases. brella may call and require verification of recent purchase information to guarantee they are speaking with you. In the event that true fraud is detected your debit card will immediately be blocked for use and an email will be sent to the credit union to advise on the updated card status. The credit union will then contact you and advise on new card ordering procedures.
Should you ever have any questions concerning your MasterCard debit card please contact:
Jackson County 1st Credit Union: 850-526-4470
Monday, Wednesday, Friday | 9:00 a.m. - 5:00 p.m.
Tuesday, Thursday | 8:30 a.m. - 4:00 p.m.
After hours contact, or to report your MasterCard lost or stolen: 866-508-2693
TellerLine Audio Response
With the Credit Union's telephone response system, most of your Credit Union transactions may be conducted at your convenience, 24 hours a day, from any touch-tone telephone. Check account balances, transfer between accounts, see what checks have cleared and more. It is easy-to-use and confidential. You can call toll-free at 1-844-266-1735.
Other Services
Payroll Deduction: You are capable of sending your Credit Union money out of your paycheck for savings or loans, even checking. You can elect to do this bi-weekly or monthly, depending on your pay schedule. If you work at Jackson County School Board, Chipola College, or Board of County Commissioners, come by the Credit Union and we can start your deductions.
Direct Deposit: Direct Deposit enables you to have any electronic payment deposited into your savings or checking account. There is no fee for this service.
Drive Thru Window: For deposits, loan payments, transfers, and savings/checking account withdrawals, our drive thru windows are available for your convenience. We do ask a limit of no more than two transactions in the drive thru
Certified Checks: Your Credit Union will issue certified checks at the low cost of $1.00 per check. We can issue these checks personalized for your convenience.
Night Deposit: The Credit Union has a completely safe night depository conveniently located in the front of the building.
Main Street Check Orders: Order your own checks online! Select your style and information for your checks.
ATM Deposits: ATM deposits allow you to deposit your checks or cash even when the credit union is closed.
Gift Cards: Your Credit Union will issue gift cards for any occasion at a low cost of $3.00 per card.
Community News
Frequently Asked Questions
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A Credit Union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the Credit Union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A Credit Union doesn't operate in that manner. Rather, each Credit Union member owns one "share" of the organization. The user of Credit Union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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The first Credit Union cooperatives started in Germany over a century ago. Today, Credit Unions are found everywhere in the world. The Credit Union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated Credit Union, opened its doors in 1909. Today, one in every three Americans is a Credit Union member.
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The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, Credit Unions have traditionally made loans to people of ordinary means. Credit Unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, Credit Unions return earnings to members in the form of dividends or improved services.
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Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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A Credit Union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.