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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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Refer a Friend
You could make $100s with Refer a Friend!
Invite your friends (as many as you want) to open a checking account with MIDFLORIDA, share your code, and watch the rewards roll in. There's no limit to how many referrals you can earn.
At a Glance
It Pays to be Popular!
When your friends and family open a new Free Checking account with MIDFLORIDA, you'll earn up to $100 for each referral.1 It's the easiest side hustle ever. No cap!
Here's how it works:
Invite Friends with your unique link
Share your personal referral link or code with friends to get them started.
Earn $100 for each referral
When your friend opens a new Free Checking account, you'll receive a $100 reward.
Your Friend Earns $400
Your friend gets $400 when they open a new Free Checking account and meet qualifying criteria.3 Everyone wins!
Referral code
Invite Friends with Your Unique Link
Find your unique referral code and shareable link within Free Online Banking (on the Profile tab) or the mobile app (on the account summary screen).
Print a referral card
If you don't have online banking, you can print out a paper referral card instead. Just fill in your information and hand it to anyone who'd like to receive the same great products and services that you currently enjoy.
Teen Accounts
Hey Students, You Can Earn Referrals Too!
You can also score sweet perks when you refer a teen or young adult for an Absolutely Free Student Checking account which pays a $25 referral.2 Go to the app to get your referral code and start sharing with friends.
Your Friend Can Score a Bonus too!
Find out how your friend can earn cash too.
Refer a Friend FAQs
Questions and answers about earning a referral.
You must have a checking account with MIDFLORIDA. Your friend must open a new checking account with MIDFLORIDA (excluding Freedom Banking and High Yield Checking) and qualify for the $200 bonus.
As many as you want. There's no limit on the number of referral incentives you can earn.
Once your friend opens a qualifying checking account and earns the new account bonus, your referral incentive will be deposited into your account within a few business days.
1. Refer a Friend: Offer valid as of July 1, 2025, and may be canceled at any time without notice. The referring member must have a MIDFLORIDA checking account. To receive the referral incentive, the prospective member must present the referral code or completed referral card at account opening. Incentive will be posted to the referring member’s account after the referred friend opens a checking account (excluding Freedom Banking accounts) and qualifies for the $200 or $400 checking incentive within 60 days. To qualify for the referral, new customer must not share household with the referring member. You cannot refer your own account, and secondary checking accounts do not qualify for this offer.
2. Refer a Friend for Absolutely Free Student Checking: Offer valid as of July 1, 2025, and may be canceled at any time without notice. The referring member must have a MIDFLORIDA checking account. To receive the referral incentive, the prospective member must present the referral code or completed referral card at account opening. Incentive will be posted to the referring member’s account after the referred friend opens an Absolutely Free Student Checking account and qualifies for the $50 checking incentive within 60 days. You cannot refer your own account, and secondary checking accounts do not qualify for this offer.
3. $200 or $400 Free Checking Bonus: Offer valid as of July 1, 2025, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding fees and terms. Freedom Banking, fiduciary and minor accounts excluded. Other terms and conditions apply. To qualify for the $400 incentive, you must open a new Free Checking acount with direct deposit ($4,000 cumulative which must post within 60 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 40 debit card purchase transactions which must post within 60 days of account opening. To qualify for the $200 incentive, you must open a new Free Checking account with direct deposit ($2,000 cumulative which must post within 60 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 20 debit card purchase transactions which must post within 60 days of account opening. Direct Deposit must be an automated clearing house (ACH) credit of your paycheck, pension or government benefits from your employer or the government; tax refunds, cash transfer app deposits and transfers from another MIDFLORIDA account do not qualify. 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 new Free Checking account within 75 days of account opening after the qualifications have been met, and will be reported to the IRS. Minimum to open Free Checking is $50.
4. $50 Student Checking Bonus: Offer valid as of July 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. 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 (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 within 75 days of account opening after the qualifications have been met, and will be reported to the IRS.
