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.)
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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.
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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.
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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. 
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Mobile app

Banking at Your Fingertips

Do it all 24/7 with MIDFLORIDA's mobile app.
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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.
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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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Budgeting tools

Budgeting Made Simple

Take control of your finances with our budget tools that track your spending and help you set savings goals.
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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 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.
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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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Certificates

Enjoy earning interest with the security of various certificate options to best fit your goals.
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Home Equity Loan

Tackle home improvements and other major purchases with a lump sum, fixed-rate and payment. Terms for all budgets.
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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

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 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.