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Personal Checking

Checking accounts to fit your life

Wherever you are headed in life, MIDFLORIDA has personal checking accounts designed to help you manage your money on your terms.
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Compare Accounts

Find the Right Checking Account for You

Explore our comparison chart to see the features and requirements of each checking account to find the one that best fits your needs.

  • Everyday
  • Premium
  • Youth & Student
Free Checking
Learn more  |  Open Now
Relationship Checking
Learn more  |  Open Now
Dividends
Minimum to Earn Dividends

N/A

$1,500

Bill Pay

Free

Free

Overdraft Options

Check Advance or overdraft protection from another account

Check Advance or FREE courtesy transfers from Savings.

Statement Options

Free eStatements

Free eStatements

Perks

All the basics, including free Bill Pay.

Free standard checks
Free cashier's checks
Free courtesy transfers from savings
25% discount on safe deposit box rental

Minimum To Open

$50

$500

Monthly Maintenance Fee

$0

$12

$0 for members over 65

How to avoid fee

Investor Checking
Learn more  |  Visit a branch
High Yield Checking
Learn more  |  Open Now
Dividends
Minimum to Earn Dividends

$0

$0

Bill Pay

Free

Free

Overdraft Options

Check Advance or overdraft protection from another account

Check Advance or overdraft protection from another account

Statement Options

Free eStatements

Free eStatements

Minimum To Open

$1,000

$1,500

Monthly Maintenance Fee
Absolutely Free Student Checking
Learn more  |  Open Now
Debit Card Banking
Learn more  |  Visit a branch
Dividends

close-red

close-red

Bill Pay

Free
available at age 18

$4.95 / mo
available at age 18

Overdraft Options

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Check Advance or overdraft protection from another account

Statement Options

Free eStatements and paper statements

Free eStatements

Perks

Free Cashier's Checks
Free Money Orders

Minimum To Open

$25

$50

Monthly Maintenance Fee

$0

$0

For members with past banking challenges, we offer a more flexible account option called Freedom Banking available in-branch. Learn more about Freedom Banking.
Account Benefits

Enjoy These Extra Perks

Discover all the great benefits that come with a checking account with MIDFLORIDA Credit Union.

Mobile App

Access your account, deposit checks and more with our free mobile app.
Download App
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Early Paycheck

Get paid sooner with free early deposits.
Learn More

Over 1,300 no-fee ATMs

No surcharge when you use a MIDFLORIDA or Publix Presto! ATM.
Find a Location

Debit card rewards

Earn cash back for yourself or for a local school.
Learn More

Direct Deposit Tool

Set up direct deposit with your employer. We make it easy using our direct connect widget within online banking.
Learn More

Mobile Wallet

Add your card to your favorite digital wallet and enjoy quick, secure payments from your phone.
Learn More

Overdraft Coverage

Opt in for Check Advance to get up to $1,000 overdraft protection on everyday debit card and ATM transactions.
Learn More

Debit Card Controls

Instantly lock or unlock your card if you misplace it or set controls for spending limits or transaction types. 
Learn More
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Expert Guidance Every Step of the Way

Our experienced team has a wealth of knowledge to help you find the checking account to fit your needs. Visit your local branch to speak with our local banking experts.
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Other Products & Services

Explore More Banking Options

Our range of banking products goes beyond checking. Explore savings, credit and home loan options that complement your financial journey.

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Visa Signature

Earn rewards on your purchases and get cash back with no annual fee.
Visa Signature
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Home Equity Loans

Our home equity loans offer a smart way to tap into your home's value, providing you with the funds you need for renovations, education, or other big goals.
Learn More
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High Five Savings

Earn a high interest rate on our savings, perfect for growing smaller balances.
High Five Savings