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new account bonus

score $50 when you open a free student checking account

For anyone between 10 and 20, banking just got a whole lot easier! Enjoy cash-back rewards, no monthly service fees, and managing your money right from your phone. If only all decisions were this simple!
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how to earn bonus

The Steps Toward Your $50 Bonus

Follow these simple steps within the first 60 days of account opening to score $50 with your new Absolutely Free Student Checking account.1
Number one

Open Account

Open a new Absolutely Free Student Checking account online or at a branch with at least $25.
Number two

Set Up Online Access

Enroll in online banking and eStatement. Be sure to log in and accept the disclosures.
Number three

Use Debit Card

Pick up a free debit card and use it to make 5 purchases in one calendar month. (ATM transactions don't count.)
Annual Percentage Yield is 0.00%. Bonus paid on 61st day after qualifications have been met.
features

These Benefits Make Banking With Us A No-Brainer

Your Absolutely Free Student Checking account is packed with cool features that make managing your money easier and more rewarding.
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Free Debit Card

A Card You Can Tap to Pay

Walk into any 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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Debit card rewards

Earn Cash-Back Rewards 

With a MIDFLORIDA debit card, you can earn points for cash back anywhere you make a purchase - online or in stores. It's easy to enroll your card in our app.
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mobile app

Bank Anywhere, Any Time

Whether you're between classes or hanging out with friends, your checking account is just a tap away! Download our app to set up account alerts when your balance gets low, transfer money, and deposit a check.
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high five savings

Time for Your Savings to Get Its Glow Up With A 5.00% APY!

Saving money from work or a generous grad gift? Turn it into more money with our High Five Savings accounts! Score up to 5.00% APY on your first $2,000 and 5.00%-0.01% APY on balances over $2,000.
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Student Checking FAQs

Got questions about our Absolutely Free Student Checking account? We've got all the answers right here.

Absolutely! Teens and young adults between the ages of 14 and 20 can open an Absolutely Free Student Checking Account.

Teens and young adults 14-20 can open the account online. However, in most cases a young adult's identity cannot be verified online and the student is asked to visit a branch with their ID to complete the account opening process and pick up a debit card. Youth 10-13 must visit a branch to open an account. 

Accepted forms of identification for new account: A parent or guardian is required as a joint owner on all accounts where the minor is 14 and under. Youth 10-20 years old with a parent or guardian as a joint owner must provide their Social Security number and the parent or guardian must have a valid Florida driver's license, Florida ID card, or Military ID. Youth 15-20 can open an account without a parent or guardian as a joint owner and must provide their Social Security number and have a valid Florida driver's license, Florida ID, or Military ID.

You must be at least 15 years old and have a valid Florida driver's license, Florida ID, or Military ID in order to receive a debit card. 
1. Absolutely Free Student Checking: Offer valid as of May 1, 2025, and may be canceled at any time without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding terms and fees. Paper statements not routinely provided. The Absolutely Free Student Checking account is designed for individual MIDFLORIDA members 10-20 years old. $25 minimum opening deposit required. Depending on age, the account may require a parent or guardian’s signature. Identification (school or government-issued ID) required to open account; driver’s license or government- issued ID required for issuance of debit card. To qualify for the $50 incentive, you must open a new Absolutely Free Student Checking account, accept and open online banking, eStatement and a debit card; and complete five debit card purchase transactions which must post within one calendar month (to be completed within the first 60 days of account opening). No dividends are paid on Absolutely Free Student 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 new Absolutely Free Student Checking account on the 61st day after the qualifications have been met, and will be reported to the IRS.

 

*High Five Savings: Offer valid as of May 1, 2025. Membership and eligibility requirements apply. Fees may reduce earnings. Must be at least 14 years or older to open. A $100 minimum opening deposit is required for this account. Rates may change after the account is opened, without notice. Annual Percentage Yield (APY) is accurate as of May 1, 2025. See a MIDFLORIDA Credit Union associate for additional terms and fees. 

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