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Join MIDFLORIDA Today!
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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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 
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.
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.
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!
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.
Mobile app
Banking at Your Fingertips
Do it all 24/7 with MIDFLORIDA's mobile app.
New Account Offer
Enjoy a $200 Cash Bonus!
Start by opening your new checking account and meet all qualifying activities, and we'll pay you $200 cash.1 Get started today!
Offer Requirements
How to Earn Your $200 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.
Set Up direct Deposit
Receive a direct deposit of $500 or more to your new checking account. Note: cash app transfers don't qualify.
Set Up Online Access
Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures.
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.
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 as of November 1, 2024, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding fees and terms. To qualify for the $200 incentive, you must open a new qualifying checking account 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). A qualifying checking account includes Free Checking, Debit Card Banking, Relationship Checking and Investor Checking. Freedom Banking and High Yield Checking do not qualify. No dividends are paid on Free Checking or Debit Card Banking. Annual Percentage Yield is 0.00% for Free Checking and Debit Card Banking. Annual Percentage Yield for Relationship Checking is 0.00% for balances up to $1,499.99, and 0.01% for balances $1,500.00 and over. Annual Percentage Yield for Investor Checking is 0.25% for balances up to $999.99, 0.25% for balances of $1,000.00 to $10,000.00, and 0.25% to 0.05% for balances $10,000.01 and over. 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 after the qualifications have been met and will be reported to the IRS. Minimum to open Free Checking is $50.
