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.
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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.
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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!
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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.
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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 online or at a branch 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 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.
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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
Dive Deeper

Insights and Tips from Our Blogs

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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 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.