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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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Freedom Banking
Rewrite your financial future
Have past mistakes put traditional accounts out of reach? Take control of your finances and start fresh with a Freedom Banking account from MIDFLORIDA.
Open at a Branch 
At a Glance
A Straightforward Banking Solution
Freedom Banking offers you the chance to establish an account even if past mistakes have made it difficult for you to do so before. You'll have easy access to your money with a free debit card with free cash-back rewards instead of receiving checks. Visit a branch to open your account today.
Free debit card
Get instant access to your money with a free instant-issue debit card, perfect for everyday purchases and ATM withdrawals.
Low Monthly fee
Enjoy the account for $4 per month, with the option to waive the fee by making 20 debit card purchases each month.
Free Online Banking
Manage your account with ease using our free online banking and mobile app, giving you access anytime, anywhere.
Account Benefits
Unlock Great Benefits
Get the flexibility and tools you need to manage your money effortlessly.
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
Smart Features to Help You Grow
Take advantage of helpful tools designed to support your financial growth.
Smart Save
Round up your debit card purchases and we'll deposit it into a savings account for you.
Text Banking
With a simple keyword, you can get your account balance and recent account history directly to your phone by text message.
Drive-thru banking
Our drive-thru is open from 7am to 7pm during the week.
Financial Literacy
MIDFLORIDA Money Minute
Boost your financial know-how with MIDFLORIDA Money Minute and gain the skills needed to make informed financial decisions.
Freedom Banking FAQs
Need more info on our Freedom Banking Account? Your questions are covered here.
Yes, Freedom Banking has a monthly fee of $4 per month, which can be waived by making 20 debit card purchases each month. The transactions must post to the account in the same month. ATM transactions do not qualify.
The minimum deposit to open a Freedom Banking account is $25.
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 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
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
