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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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Relationship Checking
Get Rewarded for your Relationship
Fall in love with a premium relationship bank account that pays dividends and offers exclusive perks to MIDFLORIDA members with multiple accounts. (And if you’re over 65, it’s free.)
Open Online Open at a Branch 
At a Glance
Checking Account with Plenty of Perks
When you want more from a checking account than simply access to your money, try a Relationship Checking account. You'll earn interest on top of exclusive benefits, including free standard checks, discounts on safe deposit boxes and no fee for courtesy transfers from savings. Or compare this account to other checking options.
Free Checks
Get free standard MIDFLORIDA checks and free cashier's checks with your account.
Earns Interest
You'll earn interest on your balances above $1,500, helping your money grow a bit as you bank.
Free Courtesy Transfers
We'll automatically move funds from your savings to cover your checking account when needed.
Debit card rewards
Earn cash back for yourself or for a local school.
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. Keep up with your finances in one place with a single-view dashboard 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
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 Relationship Checking account with a minimum deposit of $500 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.
Relationship Checking FAQs
Discover more details about our Relationship Checking account.
The minimum deposit required to open a Relationship Checking account is $500.
Yes, the Relationship Checking account has a $12 monthly fee, which can be avoided by maintaining a balance of $1,500 or more or a combined average daily balance of $10,000 or more in deposits or loans. The monthly fee is waived for members 65 years and older.
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
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 within 14 days after the qualifications have been met and will be reported to the IRS. Minimum to open Free Checking is $50.
