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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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New account bonus
Get $200 When you open a free Checking
Bank smarter with MIDFLORIDA’s limited-time $200 cash bonus. Discover how simple it is to qualify for a Free Checking account that offers a wealth of benefits and in-person support whenever you need it.
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Easy to qualify
How to Earn Your $200 Bonus
Whether you prefer to manage your account on the go or need in-person guidance, we've got you covered. And we'll give you $200. Get started online - open your new Free Checking account with a minimum deposit of $50 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 direct Deposit
Receive a direct deposit of $500 or more to your new checking account. Note: cash app transfers don't qualify.
Set Up Online Access
Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures.
Use Your Debit Card
Pick up a free debit card (or have one mailed to you) and use it to make 5 purchases within one calendar month. ATM transactions don't qualify.
Features
Free Checking Account Benefits
Learn more about how MIDFLORIDA's checking accounts work for you or explore other checking account options.
Why MIDFLORIDA
As your credit union, we’re your partner in personal and financial growth. We offer a unique blend of modern banking convenience, local presence, and commitment to service.
Advanced Online Banking
Access to do all your banking securely online, including a single view look at all your accounts.
Extensive Local Presence
With nearly 65 branches located throughout Florida, you're never far from expert in-person guidance whenever you need it.
Free Financial Resources
We provide a wealth of educational resources to help you better manage your finances and empower informed decisions.
Excellent Personal Attention
Our dedicated team ensures every interaction is tailored to your financial needs with expert advice and support.
Member focused
As a credit union, our members are owners. Profits provide lower fees, better rates, and more member-centered services.
MIDFLORIDA Cares
Through our Cares program, we're committed to giving back to the community and making a positive impact in the areas we live.
Open Account
Ready to Open an Account?
Get your $200 cash bonus along with the many benefits of MIDFLORIDA’s Free Checking account. Apply online and get your offer today or find a branch and open your account in person.
Free Checking Account FAQ
Find answers to common questions about our Free Checking account and the $200 bonus.
We’ll need your Social Security Number, a government-issued ID, date of birth, and a U.S. physical address. If your physical address is different from that on your ID, proof of address will also be needed. A soft credit inquiry will be made during the account opening process, which will not affect your credit rating.
To qualify for the $200 bonus you can open your new Free Checking account either online or in person at a MIDFLORIDA branch and meet the requirements within 60 days. Once your account is active, set up and receive a minimum of $500 through direct deposit, open and accept Online Banking, eStatement and a debit card, and make 5 debit card purchases in one calendar month. The bonus will then be credited to your account automatically after these conditions are met.
No, the Free Checking account is just that, free. It comes with no monthly maintenance fee and no minimum balance requirement. Enjoy all of the benefits of banking with MIDFLORIDA without worrying about maintaining a certain balance or incurring monthly fees.
1. Offer valid as of January 1, 2025, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. Paper statements are not routinely provided for Free Checking accounts. See associate for details regarding fees and terms. To qualify for the incentive, you must open a new Free Checking account online or at any MIDFLORIDA branch with direct deposit ($500 cumulative which must post within 60 days of account opening; Cash transfer app deposits do not qualify); accept and open online banking, eStatement, and a debit card; and complete 5 debit card purchase transactions which must post in one calendar month (to be completed within the first 60 days of account opening). No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. The incentive will be deposited to the new Free Checking account within two weeks after all qualifications have been met and will be reported to the IRS. Minimum to open Free Checking is $50.
