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How to Join

Eligibility

How to join: the following individuals and businesses are eligible for membership at We Florida Financial:

  • Anyone who lives or works in, or any business located in Broward, Palm Beach, Miami-Dade, Alachua, Baker, Bradford, Brevard, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Flagler, Gilchrist, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Levy, Manatee, Marion, Martin, Monroe, Nassau, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Union or Volusia County, Florida 
  • Licensed professionals and their employees   
  • Family members of existing members
  • Employees of select employers throughout our membership area

How to Join - Personal Accounts

To join We Florida Financial, call 954-745-2400 (select option 4 from the main menu) or Apply online.  Have the following information available: 

  • Florida driver license number  
  • Social Security number  
  • Mother's maiden name  
  • Name, Social Security number and date of birth of each designated beneficiary  
  • A password for the account   

If you applied by phone, stop by a convenient  We Florida Financial location to complete your paperwork and make your opening deposit.   

Your new account information and debit card will be mailed to you promptly, so you can enjoy the benefits of We Florida Financial membership.

How to Join - Business Accounts

To open a business account, visit any branch. Your business must be registered with the State of Florida. Please bring the following information with you:

  • Completed New Business Member Assessment
  • Valid Photo ID for all signers and owners
  • Social Security number - Sole Proprietorship or EIN (Employer Identification Number)
  • Name, Social Security number, date of birth and address of each designated signer/owner
  • Occupational license
  • Copy of meeting minutes (required when current officers differ from registered officers in SunBiz)
  • A password for the account

Membership Types

 Membership RequirementIncludesFeatures and Advantages
BASIC

$5 Savings Balance

$5 Monthly Membership maintenance fee waived if:

Eligible Credit Card

OR

Eligible Loan

OR

$200 combined average balance in eligible loan/deposit accounts

Debit Card

Online Banking

Online Bill Payment

Courtesy Pay

5 free Publix Presto! ATM transactions per month

VALUE

$5 Savings Balance

Active Checking

Debit Card

Online Banking

Online Bill Payment

Courtesy Pay

We Protect Coverage

First order of checks free

5 free Publix Presto! ATM transactions per month

No check hold up to $200

1 Free Shared Service Facility Withdrawal per month

 

SELECT

$5 Savings Balance

Active Checking

Eligible credit card ($1K+ limit, not delinquent, payment within the last 60 days) OR $5K CD in lieu of credit card

Combined average daily balance on deposit/loan of $5K OR eligible 1st mortgage

Debit Card

Online Banking

Online Bill Payment

Courtesy Pay

We Protect Coverage

First order of checks free

Free Publix Presto! ATM transactions

No check hold up to $2,500

Free Shared Service Facility Withdrawals

Free Cashier Checks

Free Money Orders

1 Free Overdraft Transfer

.25% rate discount on Consumer Loans

.10% added to CD rate

PREMIUM

$5 Savings Balance

Active Checking

Eligible credit card ($5K+ limit, not delinquent, payment within the last 60 days) OR $10K CD in lieu of credit card

Combined average daily balance deposit/loan of $20K OR eligible 1st mortgage

Debit Card

Online Banking

Online Bill Payment

Courtesy Pay

We Protect Coverage

First order of checks free

Free Publix Presto! ATM transactions

No check hold up to $5,000

Free Shared Service Facility Withdrawals

Free Cashier Checks

Free Money Orders

Free Overdraft Transfers

Free Check/Statement copy (limited to previous 12 months)

Free 3x5 Safe Deposit Box or $35 discount on larger box

Free Stop Payments

Free Wire Transfers

.50% rate discount on Consumer Loans

.25% added to CD rate

 

COLLEGE

Enrollment in career school or college age 18 to 25

$5 Savings Balance

Debit Card

Online Banking

Online Bill Payment

Courtesy Pay

No check hold up to $200

Free Presto! & STAR ATM transactions (ATM owner fees may apply)

Free Shared Service Facility Withdrawals

ENCORE

$5 Savings Balance

$5 monthly membership maintenance fee waived with an open/active checking account

Debit Card

Online Banking

Online Bill Payment

We Protect Coverage

Courtesy Pay

5 free Publix Presto! ATM transactions per month

YOUTH

Must be less than 18 years of age

$5 Savings Balance

Online Banking

Online Bill Payment

Non-interest checking*

Debit card*

Credit card*

*Parent or legal guardian must sign Youth Agreement to obtain optional products

5 free Publix Presto! ATM transactions per month

No check hold up to $200

We Florida Financial proudly serves Florida residents, offering old-fashioned values coupled with 21st-century technology. Send us a message or call us at 954-745-2400 to learn more about our products and services!