Debit Card Banking

Simple, straightforward debit card banking

Reap the benefits of a reloadable debit card and flexible checking account without the hassle of monthly fees or minimum balance requirements.
Open at a Branch
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At a Glance

Stay in Control of Your Cash

Looking for a flexible way to manage your money? Our Debit Card Banking account with a reloadable debit card lets you easily load, spend and reload whenever you need. There are no monthly fees or minimum balance requirements, so you can use your account as much or as little as you need. Plus, we're here to help you face-to-face anytime you need at your local branch. Compare this account to other checking products.
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No monthly fee

You get to keep more of your money rather than paying a monthly service charge.

Over 1,300 no-fee ATMs

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

Overdraft Coverage

Overdraft protection options are available to help you avoid declined transactions.
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Drive-thru banking

Our drive-thru is open from 7am to 7pm during the week.
Account Benefits

Quick Access and Easy Spending

Dive into the awesome perks of our Debit Card Banking account, where a free debit card and early direct deposits put your money at your fingertips faster!
Debit Card

Instant Issue Debit Cards for Easy Spending

Get your debit card on the spot with a design that matches your personality. Choose from a variety of fun options and enjoy an easy, convenient way to spend your money and pay bills. No waiting - just swipe and go!​
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Free Perks

Free Money Orders & Cashier's Checks

Enjoy the ultimate flexibility with a checking account that offers free money orders, free cashier's checks, and a debit card for easy spending. Whether you need to make secure payments or everyday purchases, this account has you covered with multiple convenient options.
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Mobile app

Banking at Your Fingertips

Do it all 24/7 with MIDFLORIDA's mobile app.
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Mobile Wallet

Add to Wallet from the mobile app

Tap to pay using your phone when you add your card to Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay or Garmin Pay. 
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Mobile Deposit

Deposit checks in a snap

Skip the trip to the branch and deposit your check within the mobile app. Just take a picture of the check and you're done.
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Card Controls

Keep your card protected

Instantly turn your card on or off within the mobile app. Or set controls for spending limits or transaction types. 
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Free Text Alerts

Stay on top of your spending

Get real-time text messages with our account alerts to notify you of activity on your account. 
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New Account Offer

Enjoy a $400 Cash Bonus!

Start by opening your new checking account and meet all qualifying activities, and we'll pay you $400 cash.1 Get started today!
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Offer Requirements

How to Earn Your $400 Bonus

Open your new Debit Card Banking account with a minimum deposit of $50 and complete the steps below within the first 60 days. Once criteria have been met, you'll 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.
Other Products & Services

Explore More Banking Options

We offer a range of valuable products and services designed to meet all your financial needs. 
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Auto Loans

Get pre-approved online or ask for MIDFLORIDA financing at the dealership. We'll help you save money with a better interest rate.
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Visa Signature

Earn cash back rewards on net qualifying purchases. Cardholders have access to a variety of exclusive benefits.
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Mortgages

Whether this is your first home or you're a seasoned homebuyer, we can help you find the mortgage that best fits your situation.
Learn More

Debit Card Banking FAQs

We've got all the answers about our Debit Card Banking account right here.

Our Debit Card Banking account requires $50 to open. 

To set up direct deposit, enroll in online banking and use our widget to connect directly to your employer's payroll system. Or complete a fillable PDF and give it to your employer. Learn more about direct deposit

First, you need to set up direct deposit, which is easy to do using the widget within our mobile app. Then, when we receive the electronic file from an employer or government agency, we will credit the money to you early, up to two days in advance of your pay day. Learn more about Early Paycheck

You can choose to pick up an instant-issue debit card at a branch or have one mailed to you, which can take 7-10 business days.
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.