Limited-Time Offer

Get $400 with a new Free Checking account

Double your holiday bonus when you open a Free Checking account. Your $200 bonus becomes $400, but hurry—this special offer ends December 7.

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Mother Surprised Her Daughter With Christmas Present Get $400 when you open Free Checking.
Limited-Time Offer

How to Earn Your $400 Bonus

Start earning your $400 bonus in minutes by opening your Free Checking account online today through December 7. Or if you prefer, visit any MIDFLORIDA branch. Simply start with $50 and complete the requirements below within your first 60 days to receive your bonus within two weeks. 

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Set Up direct Deposit

Receive a direct deposit of $500 or more to your new checking account. Note: cash app transfers don't qualify.
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Set Up Online Access

Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures. 
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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.
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Premium Benefits with Your Checking Account

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Get paid up to 2 days early

Want access to your paycheck earlier than usual? With a MIDFLORIDA checking account, you will receive our Free Early Paycheck service automatically which means getting your direct deposit up to 2 days earlier.
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Instant Issue Debit Card

Whether you open a new account online or in person, you can walk into a MIDFLORIDA branch and walk out with a new debit card in hand, in minutes. Plus, you can personalize your card with several fun designs to choose from.
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Free Debit Card Rewards

With a MIDFLORIDA debit card, you can earn points for cash back or raise money for a local school anywhere you make a purchase - online or in stores. It's easy to enroll your card in online banking.
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Bill Pay

Pay all your bills from one location or schedule them in advance and say goodbye to writing checks and buying stamps.
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Why MIDFLORIDA

Your financial partner for growth, blending modern convenience with local commitment and personalized 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.
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Ready for an Extra $400?

Open your Free Checking account by December 7 to double your bonus.
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Free Checking Account FAQ

Find answers to common questions about our Free Checking and the $400 bonus.

To earn your $400 bonus, open a new Free Checking account online or at any MIDFLORIDA branch between November 29 and December 7. Then complete these requirements within 60 days:

  • Set up and receive a minimum of $500 through direct deposit
  • Enroll in Online Banking and eStatements
  • Activate your debit card
  • Make 5 debit card purchases in one calendar month

Once all requirements are met, your $400 bonus will be automatically credited to your account within two weeks. This Black Friday special doubles our usual $200 bonus, but only until December 7.

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.

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 November 27 through December 7, 2024, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. $400 incentive not available for Absolutely Free Student Checking. Paper statements are not routinely provided for Free Checking accounts. See associate for details regarding fees and terms. To qualify for the $400 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.

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