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
cheerful african american female holding coffee and cellphone
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.
Icon debit card and bills

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.
Budgeting tools in mobile app
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. 
Man on floor easily paying his bill through free online bill pay
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.
Hands on cell phone with laptop in foreground looking at external accounts
External Accounts

All Accounts, One Place

See all your bank accounts from different institutions in one spot, making it easy to get an overview of your finances.
Learn More
Man looking at mobile banking app
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. 
Learn More
Focus on man hands typing message
Account Alerts

Stay on top of your account

Get notified by text or email about certain activity on your account. It's a great way to protect yourself from fraud.
Learn More
New Account Offer

Enjoy a $400 Cash Bonus!

Start by opening your new checking account and meet all qualifying activities, and we'll pay you $400 cash.1 Get started today!
Promo image
Offer Requirements

How to Earn Your $400 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.
Icon number 1

Set Up direct Deposit

Receive a direct deposit of $500 or more to your new checking account. Note: cash app transfers don't qualify.
Icon number 2

Set Up Online Access

Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures. 
Icon number 3

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. 
Couple exercising outside on court

Certificates

Enjoy earning interest with the security of various certificate options to best fit your goals.
Learn More
Young couple painting baby room

Home Equity Loan

Tackle home improvements and other major purchases with a lump sum, fixed-rate and payment. Terms for all budgets.
Learn More
Older couple sitting outside holding hands

Trust Services

From estate planning to personal and charitable trusts, the advisors at Southeast Trust Company will work with you to fully understand your goals and help you meet them.
Learn More

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.

Yes, the Investor Checking account has a minimum balance requirement of $1,000.

No, there is no minimum balance required to earn dividends on an Investor Checking account.
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.