Listed below are some Frequently Asked Questions of MIDFLORIDA

MEMBERSHIP
How can I open an account with MIDFLORIDA?
What is the minimum amount required to open an account with MIDFLORIDA?

GENERAL
What products/services does MIDFLORIDA offer?
Why does MIDFLORIDA require picture ID on all cash withdrawal transactions and transactions with cash back?
Are my funds insured if they are on deposit with MIDFLORIDA?
When does MIDFLORIDA send account statements to the membership?
Why does MIDFLORIDA require every member to open a savings account, if all they want is a checking account or a loan?
Which branches are open on Saturday and what are the hours?
Who do I call if I have a question about my account?
What number do I call if my debit card, credit card or checkbook has been stolen?

PRODUCTS & ACCOUNTS
Does MIDFLORIDA offer an account for minors?
Why can't I get an ATM card if I only have a savings account?
How long does it take to receive checks that were ordered for my MIDFLORIDA account?
What is the daily cash withdrawal limit on my ATM/Debit card?
What is a Debit card and why do you review my credit to approve me for one?


What products/services does MIDFLORIDA offer?

MIDFLORIDA offers a variety of savings, checking, certificate and IRA products, plus auto and mortgage loans, credit cards and consolidation loans. To find out specific information about products, choose the appropriate product from the home page.

Why does MIDFLORIDA require picture ID on all cash withdrawal transactions and transactions with cash back?

Although showing your identification can be inconvenient, MIDFLORIDA believes in protecting its members to the fullest extent. Fraudulent activity happens daily in the financial industry and has become a regular way of life for some. This policy was put in to place to protect you - our member.

Are my funds insured if they are on deposit with MIDFLORIDA?

All funds on deposit with MIDFLORIDA are insured up to $100,000 per account by the NCUA.

How can I open an account with MIDFLORIDA?

If you live, work, worship or attend school in Polk, Highlands, Okeechobee, Hardee, DeSoto, or Sumter counties or the Poinciana area, you can join MIDFLORIDA. To open a savings account, visit the branch nearest to you.
Find a Branch near you

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What is the minimum amount required to open an account with MIDFLORIDA?

To open any type of account with MIDFLORIDA, you must open a share account with a minimum of $5.00. To avoid low balance fees, a minimum balance of $100.00 is suggested.

When does MIDFLORIDA send account statements to the membership?

Member's accounts with an active status are segmented into monthly and quarterly statement cycles. Members with savings products only receive their statements on a quarterly basis (Jan/Apr/July/Oct). Members who have checking and loan type products receive monthly statements. Regardless of whether you receive your statement monthly or quarterly, statements are generated on the 10th, 15th and 20th of the month. The opening date and the type of products you have determine the cycle that your account statement falls into. Business Accounts receive statements on the last day of the month. If you are unsure about when your statement should arrive or would like to request a different statement cycle, call the Help Desk.
West Polk County (863) 688-FREE
East Polk County (863) 291-FREE
Highlands County (863) 385-4057 or (863) 382-6620
Okeechobee County (863) 467-FREE
Hardee County (863) 773-FREE
Toll Free (866) 913-FREE

Does MIDFLORIDA offer an account for minors?

MIDFLORIDA offers accounts to meet every lifestyle and stage of life, including minors. MIDFLORIDA's GatorSaver accounts are tailored for the first time "saver" and are geared for children under the age of 12.

If your child is over the age of 12, he or she can open our new teen checking account - Outrageous Checking, full of free perks.

Both accounts require a parent's signature on the savings application.

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How long does it take to receive checks that were ordered for my MIDFLORIDA account?

Generally members receive their checks within 8 to 10 business days from the date they were ordered.

Why does MIDFLORIDA require every member to open a savings account, if all they want is a checking account or a loan?

Opening and maintaining the savings account represents membership in MIDFLORIDA thus giving members ownership and voting privileges.

Why can't I get an ATM card if I only have a savings account?

Regulations that govern MIDFLORIDA make it unfeasible to offer an ATM card on a savings account.

What is the daily cash withdrawal limit on my ATM/Debit card?

There is a $500.00 daily withdrawal limit per account.

Which branches are open on Saturday and what are the hours?

Click here to view which branches have Saturday hours.

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What is a Debit card and why do you review my credit to approve me for one?

A debit card is MIDFLORIDA's alternative access to your checking account without the hassle of check writing. MIDFLORIDA's CheckPlus debit card can be used anywhere around the world, wherever VISA Debit is accepted. Because the debit card functions like a credit card, a review of your credit is necessary for approval.

Who do I call if I have a question about my account?

If your question is specific to your account, you may be able to get the answer by calling Direct Touch. Direct Touch offers protected access to your account information to find out which checks have cleared, what deposits have been made, account balances and more. Plus, you have the option to perform simple transactions like transfers or check withdrawals.
Direct Touch phone numbers
West Polk County (863) 688-FREE (enter 1)
East Polk County (863) 291-FREE (enter 1)
Highlands County (863) 386-0321
Okeechobee County (863) 467-FREE (enter 1)
Hardee County (863) 773-FREE (enter 1)
Toll Free (866) 913-FREE (enter 1)

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But if your question is more extensive, you want to speak to someone who has the expertise to handle your problem. Call our Help Desk where you'll reach someone specifically trained to answer questions and provide information. The Help Desk can be reached during normal business hours of 8:30 am - 5:30 pm (M - Th); 8:30am - 6:00 pm (Fri); and 8:30am - 1:00pm (Sat).
West Polk County (863) 688-FREE
East Polk County (863) 291-FREE
Highlands County (863) 385-4057 or (863) 382-6620
Okeechobee County (863) 467-FREE
Hardee County (863) 773-FREE
Toll Free (866) 913-FREE

What number do I call if my debit card, credit card or checkbook has been stolen?

To report a lost or stolen Debit Card, please call 1-800-472-3272 available 24 hours a day, 7 days a week.
To report a lost or stolen Credit Card, please call 1-800-299-9842 available 24 hours a day, 7 days a week.
To report a lost or stolen checkbook, please call one of the Help Desk numbers above. If after business hours, you may put a stop-payment on a check or a series of checks by calling Direct Touch.
West Polk County (863) 688-FREE (enter 1)
East Polk County (863) 291-FREE (enter 1)
Highlands County (863) 386-0321
Okeechobee County (863) 467-FREE (enter 1)
Hardee County (863) 773-FREE (enter 1)
Toll Free (866) 913-FREE (enter 1)

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