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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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Free Checking
no hidden fees - just free checking
Our Free Checking account comes with all the features you need, including free online banking and bill pay, without the pesky fees. You'll also receive your direct deposit up to two days early.
Open Online Open at a Branch 
At A Glance
Why Pay for Checking?
Find the best checking account right here with all the features you need and no monthly fee, as well as added benefits like debit card rewards. Enjoy easy access to your money, along with the convenience of face-to-face banking support at any of our branches when needed. It's the perfect account for handling your finances, hassle free! Or compare this account with other checking options.
No monthly fee
You get to keep more of your money rather than paying a monthly service charge.
No minimum balance
There's no minimum balance requirement that you have to keep up with.
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.
Account benefits
Perks with Your Account
We make it easy to enjoy your money when you need it, with some extra rewards along the way.
Debit Card
Free Debit Card with Cash Back Rewards
Get a MIDFLORIDA debit card on the spot at any branch or have it mailed to you. Then load it to your wallet for easy and convenient purchases, all while racking up cash-back rewards or rewards for your favorite school. Pick up your new debit card today!
Direct Deposit
Get Your Pay up to 2 Days Early
Set up direct deposit on your new checking account, and you'll get your pay up to two days early. Our quick and easy widget lets you set up direct deposit electronically right in the mobile app or online banking.
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 online or at a branch 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 Free Checking 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.
Free Checking FAQs
Find out more details about Free Checking here.
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.
To help protect against overdrafts, you can link a MIDFLORIDA savings account or line of credit to your checking account. We'll make a courtesy transfer for you (fee applies) if you don't have enough money to cover a transaction. See fee schedule
There are many ways to get cash out of your MIDFLORIDA account. You can visit a branch or drive-thru to make a withdrawal; use a MIDFLORIDA or Publix Presto! ATM with no surcharge fee; or elect to get cash back during a POS (point of sale) transaction with a retailer.
1. Offer valid as of January 1, 2025, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. Paper statements are not routinely provided for Free Checking accounts. See associate for details regarding fees and terms. To qualify for the 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.
