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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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Investor Checking
Add dividends to your day-to-day banking
If your account balance is $1,000 or more, you could earn more with Investor Checking.
Open at a Branch 
At a Glance
Make Your Money Work for You
Earn interest on your money without sacrificing flexibility. With Investor Checking, you can easily manage your day-to-day banking, plus earn dividends on the entire balance with no restrictions or requirements to do so. Or compare this account with other checking options.
Bill Pay
Pay all your bills from one location or schedule them in advance.
Debit card rewards
Earn cash back for yourself or for a local school.
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
Discover Extra Perks of Your Account
With valuable benefits designed to enhance your banking experience, you'll find managing your finances easier and more rewarding.
Free online banking
Your Financial Hub for Smarter Money Management
Our Free Online Banking offers more than just convenience - it gives you powerful tools to manage your finances. Easily link accounts to move money you have with other banks and take advantage of budgeting tools to get a clear overview of spending and savings goals. It's all about making your financial life easier and more organized.
Free Bill Pay
Effortless Banking with Bill Pay
Whether you're at home or on the go, you can pay all your bills on one screen with Online Bill Pay. Easily schedule payments—one-time or recurring—from your desktop or mobile device in just a few clicks.
Mobile app
Stay in Control with Our Mobile App
Access your accounts, check balances, and manage transactions with ease, all from the palm of your hand.
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 Investor Checking account with a minimum deposit of $1,000 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.
Investor Checking FAQs
Find quick answers to common questions about Investor Checking.
Yes, Investor Checking has a fee of $6 per month, which can be waived by maintaining an average daily balance of $1,000.
The minimum deposit to open an Investor Checking account is $1,000.
No, there is no minimum balance required to earn dividends on an Investor Checking account.
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.
