Limited-Time Offer

Get $400 with a new Free Checking account

Add some green to your red, white and blue when you open a Free Checking account. Now through July 6.

Open Online Open at a Branch
4th of July cat
Steps to earn bonus

Earn $400 This Independence Day

Start earning your $400 bonus in minutes by opening your Free Checking account online today through July 6. Or if you prefer, visit any MIDFLORIDA branch. Simply start with $50 and complete the requirements below within your first 60 days. Bonus is paid within 75 days of account opening.

Open Online Now
Icon number 1

Set Up direct Deposit

Receive a direct deposit of $4,000 or more to your new checking account. Note: cash app transfers don't qualify.
Icon number 2

Set Up Online Access

Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures. 
Icon number 3

Use Your Debit Card

Pick up a free debit card from any branch (or have one mailed to you) and use it to make 40 purchases. ATM transactions don't qualify.
Features

Premium Benefits with Your Free Checking Account

Light the fuse for your finances with these spectacular benefits.

Open Your Account Now

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.
Learn More

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.
Learn More

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.
Learn More

Bill Pay

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

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.
Lower effort, lower bonus

Don't need the full $400? Earn $200 instead.

Set up a smaller direct deposit of $2,000 or more and a minimum of 20 debit card purchases, and you can earn a $200 bonus with Free Checking.1 Same great account - just a lighter lift.


Open Online Open at a Branch

Free Checking Account FAQ

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

To earn a $400 bonus, open a new Free Checking account online or at any MIDFLORIDA branch. Then complete these requirements within 60 days:

  • Set up and receive a minimum of $4,000 through direct deposit
  • Enroll in Online Banking and eStatements
  • Make 40 debit card purchases

To earn a $200 bonus, open a new Free Checking account online or at any MIDFLORIDA branch. Then complete these requirements within 60 days:

  • Set up and receive a minimum of $2,000 through direct deposit
  • Enroll in Online Banking and eStatements
  • Make 20 debit card purchases

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.

To qualify for the bonus, your direct deposit must be an ACH (Automated Clearing House) transfer of your paycheck, pension or government benefits - typically sent from your employer or government agency.

Please note:

  • Tax refunds do not qualify.
  • Deposits made through cash transfer apps (like Venmo, PayPal, or Zelle) do not qualify.
  • Transfers from another MIDFLORIDA account do not qualify.
1. 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 Checking, fiduciary and minor accounts excluded. Other terms and conditions apply. To qualify for the $400 incentive, you must open a new Free Checking account 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. New account must remain open at least 75 days to qualify for the incentive. After all qualifications have been met, the incentive will be deposited to the new Free Checking account within 75 days of account opening and will be reported to the IRS. Minimum to open Free Checking is $50.

Still Have Questions?

Contact Us
Visit Us
Schedule appointment
Ask Kit