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Tyndall First 

Online Spend and Savings account.

Make your everyday banking pay with a Tyndall First spend and savings account.
Tyndall is proud to offer a new way to bank. A Tyndall First account gives you the freedom to bank anytime, anywhere-- with no account or ATM fees. You'll also earn 1% cash back on debit card spending* and build your savings account with automatic round-ups.

Check out the features of a Tyndall First Account

  • Easy access, any time, anywhere: Free highly-rated mobile app to manage your account.
  • Earn money from everyday spending: 1% cashback (up to $5,000 spent per month): *Up to $50 per month.
  • Save for the future: Daily debit card transactions are rounded up and deposited into savings.
  • Get paid early: *Direct Deposit one day early.
  • Worry-free from overdraft: Fee-free Courtesy Pay up to $200.
  • Online-only account with free Bill Pay.
  • Free ATM network & no monthly fees!
  • Build your credit: With an optional companion credit card with a limited-time intro rate for the first 6 months.
  • Feel safe with online account security.
  • Mobile Wallet: Add your Tyndall Debit Card to your smartphone mobile wallet for easy transaction payment on the go!  

Branch Services not available for Tyndall First members.

For a limited time you can open a Tyndall First Companion Credit Card and take advantage of 0% intro APR* on purchases. After 6 months, variable rate of 12.24%-18.00% APR.

Every day, we "round up" your extra change, which automatically transfers from your Spend account to your Savings account. All you need to do is watch it grow!

Coffee $3.10 $0.90 Rounded up + Lunch $12.75 $0.25 Rounded up + Groceries $65.50 $0.50 Rounded up = Automatic savings $1.65 saved

Tyndall First Blogs

Tyndall First Frequently Asked Questions

How do I set up a Tyndall First Account?

You can set up your Tyndall First account Online,, or through the Contact Center.

How long does it take for my account to be set up online?

Most accounts are opened online within 2 business days as long as the application is fully completed.

If I already have a Tyndall Checking account can I open a Tyndall First account?

Yes, Log into Online Banking, Click Tools > Forms > under Account Maintenance select Upgrade to Tyndall First Account and complete the form to convert your account.

If I convert my existing Tyndall Checking account, will my direct deposit automatically convert to my new Tyndall First Spending account?

Yes, if your direct deposit is already going into your checking account then it would remain the same. 

Why can’t I visit a branch with a Tyndall First Spend account for everyday banking transactions?

To deliver this valuable and free account, we are only able to offer it as an online-only spending account as this account is designed for members that prefer to do their banking online and do not prefer to do teller transactions at a branch.

Can you define what an Online Only account is?

This means you can bank Online, Anytime, Anywhere! We can help you Online or through our Contact Center. This account is not a good fit if your primary banking preference is doing everyday teller transactions in person rather through Online Banking.

Can a Minor set up a Tyndall First Account?

No, you must be of legal age to open a Tyndall First account. 

How do I set up my companion promotional Credit Card?

You can apply online at, or through our lending center at 850-747-4321.

How does the Round up Savings work?

Say you do 2 spending transactions today both totaling .25 cents each, at the end of today we’ll round those 2 spending transactions to $1 each and then automatically transfer the $1.50 from your Tyndall First Spending account into your savings account. Think of it as automatic savings and every transaction is rounded up to help you save for the future.

Can a member opt out of the automatic round-up savings feature?


Can I order checks or get a check?

Yes, you can order through Online Banking as well as use Bill Pay through Online Banking. 

When will I get my Debit Card in the mail?

10 to 14 Business days from the time your account is opened you’ll receive it in the mail. 

If you need the card quicker, you can order through Online Banking > Tools > Forms > Debit/Credit Card Request. Complete the form and under the “Delivery Type” select Card Fulfillment Center. You can then pick up your debit card the same day you’re notified in Online Banking that your request is completed from the Lynn Haven Card fulfillment center. 

*Cards can’t be ordered until the account is funded

When will I receive the cashback every month?

Cashback deposits will be made on the last day of the month and posted into your Tyndall First Spending account on the last day of the month for that month’s activity.

If I can’t go to a branch, how do I make cash deposits?

You can make cash deposits at any Tyndall ATM.

How much can I earn in cashback?

1 % cashback up to $5,000 in debit card purchases spent each month with a maximum of $50 per month or $600 per year.

How does the Worry-Free from Overdraft: Fee Free Courtesy Pay up to $200 work?

We’ll cover your point of sale transactions up to $200 negative with no fees. If you have a linked overdraft source such as your savings account or Tyndall Credit Card and you don’t have funds in your Tyndall First Spending account, Tyndall will look to that overdraft source first and if no funds are available you can go negative up to $200 with no fees.


Example: You have $100 in your Tyndall First Spending Account and $50 in your Savings Account and you go to the ATM and withdraw $350 from your Tyndall First account it will withdrawal the $100 from your Spending account, and the $50 from your savings account, and the $200 Fee Free Courtesy Pay will cover the additional $200 with no fees.  

When does the Worry-Free from Overdraft: Fee Free Courtesy Pay up to $200 start?

31 days after your account has been opened. 

How does getting paid early work?

After your recurring direct deposit has been established we’ll deposit your paycheck 1 business day early *Restrictions apply; Available for most employers.

Example: You typically get your payroll deposited on Friday, with getting paid early, Tyndall will deposit your payroll on Thursday so your funds are available early. 

Existing members can apply through the Contact Center at 850-769-9999

Have a question?


Click for Tyndall First Spend Account disclosures. To qualify for the features and benefits of a Tyndall First Spend account you must be of legal age, enrolled in electronic statements, account can be single account ownership or joint ownership, and have a minimum of $500 in qualifying direct deposits per month and your account must be open and in good standing. The minimum amount to open a TFS account is $25.00.  After opening the account, there is no minimum balance requirement. Get paid early. Direct Deposit one day early, employer dependent. Cash Back. 1% cash back on debit card swipes; capped at $5,000.00 in total monthly swipe spending; the TFS account will be credited at the end of each month; you must have at least $500.00 in qualifying deposits via ACH and/or Mobile Deposit each month to qualify for cash back. Your TFS account must be open on the last day of the month for cashback to be earned & credited. Fee Free Courtesy Pay. Applies to debit card swipes only (you must opt-in to authorize and pay overdrafts on ATM and everyday debit card transactions); after a $200.00 negative balance is reached our standard Courtesy Pay Fees will resume; you must have at least $500.00 deposited via ACH and/or Mobile Deposit each month to qualify. See our Rate & Fee Schedule for our Courtesy Pay fees. You must bring your account to a positive balance as soon as possible, within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay them. For example, we typically do not pay overdrafts if your account is not in good standing. Automatic Savings. Each Debit Card transaction will be rounded up to the nearest whole dollar and that difference will be transferred to your savings account each day; this automatic savings feature will not bring the TFS account into the negative. Fees. The TFS account has no monthly maintenance or service charges. Electronic Statement & Notice Requirement. The TFS account is all-electronic. By opening a TFS account, you agree to receive all periodic statements & notices electronically.  Should you revoke your opting-in of electronic statements & notices, the TFS account will be modified to our then Classic Checking account or equivalent and be subject to those rates, terms & fees. To deliver this valuable free and benefit-rich account, we are only able to offer it as an online-only spend account. This means you can bank Online, Anytime, Anywhere! We can help you Online or through our Contact Center. Membership is required; No membership fee applies; Subject to change. Other restrictions may apply. 

Tyndall First Companion Card: *APR=Annual Percentage Rate. For existing members with a Tyndall First account that open a credit card, the introductory rate on purchases is 0.00% APR for 6 months. After the 6-month period, the APR on purchases will convert to your standard APR. Offer is valid for 30 days from date listed on this email. The standard rate on Tyndall credit cards is currently 12.24%-18.00% APR, based on creditworthiness, which will vary with the market based on the Prime Rate. This rate is accurate as of 8/19/23. The Index used to determine your variable APR is the Prime Rate published in the Money Rates column of the Wall Street Journal on the last business day the rate is published in each calendar month. If the Prime Rate changes, the new rate will take effect on the first day of the next billing cycle. As of 7/27/23, the Prime Rate is 8.50%. New credit card loan subject to completed application and approval. We may deny extending credit to you if, after receiving your application, we find that you do not meet the criteria used to select you, or if we find that your income is not sufficient to meet Tyndall’s guidelines. Foreign transaction fees: international transactions that involve currency conversion - 1%, international transactions that do not involve currency conversions - .8%. Ask for your specific rate. Your due date is at least 21 days after we mail your billing statement. Late payment fee is 10% of payment due with a minimum of $2.00. All rates and offers are subject to change without notice. Other restrictions may apply. Membership required; NO membership fee applies.