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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Free business checking
no fees, no hassle
If you're looking for the best bank for your small business, come to MIDFLORIDA and enjoy business-friendly perks without all the fees.
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at a glance
Let's Get Down To Business
Discover a flexible and convenient business checking account that lets you focus on growth. With no minimum balance requirements and no monthly service charges, you keep more of your money. Or compare this account with other business checking options.
Remote Deposit Capture
Deposit your checks from the comfort of your office anytime,
day or night.
day or night.
More Free Deposits
Enjoy no fees on cash deposits up to $30,000.
Convenient Hours
Enjoy convenient branch accessibility with extended drive-thru hours and full-service Saturday hours.
Business Online Banking
Free Business Online Banking or upgrade to Treasury Online Banking.
add-on solutions
Additional Services for Businesses
You're in the business to make money. We are in the business to help you manage it.
positive pay
Protect Your Business from Fraudulent Activity
This service protects your business from fraudulent checks and ACH debits by allowing you to control debits from your accounts by submitting issued checks online, where any discrepancies will be flagged for review.
payroll services
Simplify Your Payroll
We’ve teamed up with Paychex® to offer you an affordable, full-service option for outsourcing payroll and payroll tax administration.
Merchant Services
Give Your Customers More Ways to Pay
Set your business up to accept Visa and Mastercard payments, as well as other electronic payments. Our secure, reliable tools help you get paid faster and simplify your operations.
offer requirements
How to Earn Your $300 Bonus
Open a new Free Business Checking account with a minimum deposit of $100 and complete the steps below within the first 60 days. Once criteria have been met, you'll receive your bonus within two weeks.
Set up Online Access
Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept disclosures.
Cumulative Deposits
Make deposits totaling at least $5,000 in a calendar month for two of the first six months of account opening.
Transaction Minimum
Complete five transactions
(deposits, withdrawals, etc.).
(deposits, withdrawals, etc.).
Other Products & Services
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Free Business Checking FAQs
No appointment is needed to visit any of our branch locations to open a business account. However, if you would like to make one, you can contact a business banker at (863) 293-5196.
To view the full list of everything you need, view our Required Documents page.
Minimum to open a Free Business Checking Account is $100. Membership and eligibility requirements apply.
300 free transactions per month; $.15 per transaction after. Transactions include checks paid or other debits; withdrawals; deposits and deposited items; and transfers.
Debit card transactions, wire transfers, deposits made via remote deposit capture, and electronic ACH credits/debits not included.
There is no fee for first $30,000; .1% of the month’s total amount after.
1. Offer valid as of November 1, 2024, and may be canceled at any time without notice. Eligibility and membership requirements for business and business owner(s) apply. To qualify for the $300 incentive, the business must open a Business Checking account (Free Business Checking (minimum $100 to open), Premier Business Checking (minimum $500 to open) or Business Checking Plus Interest (minimum $500 to open); accept and open Online Banking, and eStatement; make deposits totaling at least $5,000 in a calendar month for two of the first six months of account opening; and complete five transactions (deposits, withdrawals, etc.) within the first 60 days. No dividends are paid on Free Business Checking and Premier Business Checking. Annual Percentage Yield for Free Business Checking and Premier Business Checking is 0.00%. Annual Percentage Yield for Business Checking Plus Interest is 4.00% for balances up to $10,000.00; 4.00% to 1.63% for balances of $10,000.01 to $25,000.00; 1.63% to 0.84% for balances of $25,000.01 to $50,000.00; 0.84% to 0.44% for balances of $50,000.01 to $100,000.00; and 0.44% to 0.05%for balances $100,000.01 and over. Rate may change after account is opened. Any business EIN that has previously received a business checking incentive will not qualify for the $300 incentive. The $300 will be deposited to the new Free Business Checking account after the qualifications have been met and will be reported to the IRS.
2. Membership and eligibility requirements apply.
