Accelerate Your Happiness

Our online Accelerate Account moves at the speed of life, giving you the power to fuel your finances and achieve your goals. Plus, get help from our local team when you need it.

Ready to take charge of your finances?

Our Accelerate Account lets you manage your money
anytime, anyplace, right from your favorite device.

No hidden fees. No hoops to jump through. Just fast, secure digital banking with lots of perks.

Accelerate
Payday

Get your paycheck early – up
to two days before payday –
with direct deposit.2

Accelerate the
Essentials

Do all your banking with the
First Commerce Digital
Banking app.

Avg. Rating on Apple App Store
and Google Play

Accelerate
Service

Want to talk to a real person?
Easy. We’ve got 14 Financial
Centers in North Florida and
South Georgia.

All the Bells and
Whistles.
None
of the Hassles.

Mobile App

Check your balance, deposit checks, and even control your debit card.

Real-Time Alerts

Sign up for notifications about account activity, including withdrawals, deposits, low balance alerts, and more.

Credit Score

Build your credit score using helpful tips available through Digital Banking.

Instant-Issue Debit Card

It works perfectly with your
Apple Pay® or Google Pay
mobile wallet.

Nationwide ATM Network

Whether you're close to home or on the road, access your account anytime from thousands of ATMs through our Accel network.

CoverMe Protection

Bump in the road?
We’ve got you covered with no fees for overdrawing your account up to $100.3

And the Winner Is...

 

Accelerate
Account

Old-Fashioned
Bank Accounts

Monthly Cost
 
 
 
 

Only $5.99/month.
 
 
 
 

Typically $10–$12 per month when you don’t meet minimum balance or other requirements.


(Source: NerdWallet)

Minimum Balance

None.

Often, if you want to avoid a monthly fee.

When Do You Get Paid

Up to 2 days early with direct deposit.2

Usually on payday.

Overdraft Fees
 
 

No fees for overdrawing your account up to $100 with CoverMe protection.3
 

Nearly $34 each, on average.
 
(Source: Bankrate)

And the
Winner Is...

Accelerate Account

Monthly Cost

The monthly cost is only $5.99/month.

Minimum Balance

No minimum balance required.

When Do You Get Paid

Get paid up to 2 days early with direct deposit.2

Overdraft Fees

No fees for overdrawing your account up to $100 with CoverMe protection.3

Old-Fashioned Bank Accounts

Monthly Cost

The monthly cost is typically $10–$12 per month when you don’t meet minimum balance or other requirements.

(Source: NerdWallet)

Minimum Balance

A minimum balance is often required if you want to avoid a monthly fee.

When Do You Get Paid

You usually get paid on payday.

Overdraft Fees

Overdraft fees are nearly $34 each, on average.

(Source: Bankrate)

Not a Financial Guru? Let’s Change That.

Maybe you want to work on your credit score. Maybe it’s time to save for your first home. Our free online educational tools can help you manage your money and get closer to your financial goals.

Enjoying Your
Accelerate Account?

Tell us what you like about your new Accelerate Account for a chance to win a $50 gift card! You just might see your story on social media!

Share Your Story


Click here for full terms and conditions.

@FirstCommerceCU 💸
Got paid 2 days early!
Celebrating with tacos!
🌮 #AccelerateBanking

@FirstCommerceCU I can do
EVERYTHING on my phone.
And if I need a hand, I can
visit my friends at the
Westside branch!
#AccelerateBanking

@FirstCommerceCU My bills
are paid. ✔️My balance is
good. ✔️And I’m feeling
GREAT. This is how you
#AccelerateBanking

The Best Online Bank
Account?
It’s Not
From a Bank.

Your Accelerate Account is backed by a trusted, award-winning credit union that’s been serving our community for 80+ years. First Commerce Credit Union is member-owned and committed to empowering people to enhance their financial well-being.