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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
Free Business Checking with no fees & no hassle
If you're looking for a free business checking account, MIDFLORIDA Credit Union is here to help. Our free small business checking account has no monthly service fees, no minimum balance requirements, and tools designed to support your day-to-day operations, so you can focus on running your business, not managing fees.
Open at a Branch
Contact a Business Banker 
at a glance
Let's Get Down to Business
Discover a free business checking account designed to support small businesses at every stage. With no minimum balance requirements and no monthly service fees, you keep more of your money and receive access to tools you need to manage cash flow and grow with confidence. Or compare this account with our other business checking options to find the best fit for how you run your business.
Remote Deposit Capture
Deposit your checks from the comfort of your office anytime, day or night, and spend less time running to a branch.
More Free Deposits
Enjoy no fees on cash deposits up to $30,000.
Convenient Hours
Enjoy convenient branch accessibility with extended drive-thru and Saturday hours.
Business Online Banking
Monitor cash flow, move money, and manage your account online with free and premium options.
No Monthly Fees
Avoid monthly service fees and minimum balance requirements, so more of your money stays in your business.
300 Free transactions
Manage everyday business activity with 300 free transactions each month.
add-on solutions
Additional Business Banking Services
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
Help protect your business account from fraudulent checks and ACH debits. Submit issued checks online and 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 business checking account bonus within two weeks.
Documents Needed
Set up Online Access
Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept required disclosures.
Make Qualifying Deposits
Make deposits totaling at least $5,000 in a calendar month for two of the first six months of account opening.
Meet the Transaction Minimum
Complete five transactions
(deposits, withdrawals, etc).
(deposits, withdrawals, etc).
Other Products & Services
Explore More Banking Options
Here are related products you might find valuable.
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.
The documents you need depend on your business type, but commonly include SS-4, EIN, business tax receipts, bylaws, operating agreements, and active certification with Sunbiz. To view the full list of everything you need, view our Required Documents page.
No, there are no monthly maintenance fees for a Free Business Checking account.
The minimum deposit to open a Free Business Checking Account is $100. Membership and eligibility requirements apply.
A Free Business Checking account includes 300 free transactions per month, and each additional transaction is $0.15. 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 are not included.
No, there is no fee for first $30,000 in cash deposits per month. Amounts above that are charged at 0.1% of the month’s total cash deposit amount.
Yes, MIDFLORIDA offers several business account options that can work well for small businesses. We recommend speaking with one of our business banking experts to see which account would work best for you.
1. Offer valid as of March 1, 2026 and may be canceled at any time without notice. MIDFLORIDA Credit Union 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; limit of 2 accounts per TIN or SSN), excludes Freedom Business Checking); 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. With the Free Business Checking account "Free" means that there are no monthly maintenance fees; other fees and charges apply. See our fee schedule for details. 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 on Business Checking Plus Interest is 4.00% on balances between $.01 and $10,000.00, 4.00% to 1.63% on balances between $10,000.01 to $25,000.00, 1.63% to 0.84% on balances between $25,000.01 to $50,000.00, 0.84% to 0.44% on balances between $50,000.01 to $100,000.00, and 0.44% to 0.05% on balances of $100,000.01 and up. Rates may change after account is opened. Account must remain open and unrestricted until the incentive is paid to qualify. 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 business checking account within 14 days after the qualifications have been met and will be reported to the IRS.
