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absolutely free Student Checking

No monthly Fees, $50 bonus, & debit Rewards

Have you outgrown your piggy bank? Designed for money-savvy teens and young adults between 10 – 20, the Absolutely Free Student Checking account is a great first step towards financial independence.
Get Started Online Open at a Branch
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At a Glance

Your Card. Your Account.

With a debit card in your pocket and a slick mobile app, you can easily access your cash anytime, whether you're grabbing coffee, paying for books, or splitting dinner with friends. It's the perfect way to keep track of your money without missing a beat. Or compare this account with other checking options.

Say Hello

Visit a branch for face-to-face banking with Saturday hours.

Direct Deposit Tool

Set up direct deposit with your employer. We make it easy using our direct connect widget within online banking.
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Text Banking

With a simple keyword, you can get your account balance and recent account history directly to your phone by text message. 

Smart Save

Round up your debit card purchases and we'll deposit it into a savings account for you.
Account benefits

Get More from Your Student Checking

Our Absolutely Free Student Checking account is packed with cool features that make managing your money easier and more rewarding.
Debit Card Rewards

Make Easy Money with Cash Back Rewards

Who doesn't love getting paid to shop? With MIDFLORIDA's Debit Card Rewards, you get paid a little something extra when you spend $10 or more. It's like getting rewarded just for living your best life.
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Mobile App

Stay on top of your money without the hassle.

With the MIDFLORIDA mobile app, you can check your balance, track your spending, and deposit a check—all from your phone. Whether you're between classes or hanging out with friends, your checking account is just a tap away! Sign up for online banking and download the app.
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Mobile app

Banking at Your Fingertips

Do it all 24/7 with MIDFLORIDA's mobile app.
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Mobile Wallet

Add to Wallet from the mobile app

Tap to pay using your phone when you add your card to Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay or Garmin Pay. 
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Mobile Deposit

Deposit checks in a snap

Skip the trip to the branch and deposit your check within the mobile app. Just take a picture of the check and you're done.
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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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Free Text Alerts

Stay on top of your spending

Get real-time text messages with our account alerts to notify you of activity on your account. 
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new checking bonus

Open Free Student Checking and Get $50*

It's a no-brainer!  An account that offers you free mobile banking, free debit card rewards, no monthly fee and no minimum balance—plus, you can choose your own debit card design. It's the simplest life hack for feeling like a genius! 
How to earn bonus

The Steps Toward Your $50 Bonus

Follow these simple steps within the first 60 days of account opening to score $50 with your new Absolutely Free Student Checking account.
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Open account

Open a new student checking account online or at a branch with at least $25.
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Set up online access

Enroll in online banking and eStatement. Be sure to log in and accept the disclosures.
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use debit card

Pick up a free debit card and use it to make 5 purchases in one calendar month. (ATM transactions don't count.)
Other Products & Services

Explore More Banking Options

We offer a range of valuable products and services designed to meet all your financial needs. 
Father and son on couch putting change in piggy bank learning about Financial Literacy

Financial Literacy

Use our free Money Minute financial literacy platform to help you gain the knowledge and skills you need to take control of your finances.
Learn More
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First Time Visa

Getting your first credit card is a big deal. This is the perfect card to help build your credit and create good spending habits early.
Learn More
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High Five Savings

Earn a high interest rate on our savings, perfect for growing smaller balances.
High Five Savings

Student Checking FAQs

Got questions about our Absolutely Free Student Checking account? We've got all the answers right here.

Teens and young adults 14-20 can open the account online. However, in most cases a young adult's identity cannot be verified online and the student is asked to visit a branch with their ID to complete the account opening process and pick up a debit card. Youth 10-13 must visit a branch to open an account. 

Accepted forms of identification for new account: A parent or guardian is required as a joint owner on all accounts where the minor is 14 and under. Youth 10-20 years old with a parent or guardian as a joint owner must provide their Social Security number and the parent or guardian must have a valid Florida driver's license, Florida ID card, or Military ID. Youth 15-20 can open an account without a parent or guardian as a joint owner and must provide their Social Security number and have a valid Florida driver's license, Florida ID, or Military ID.

You must be at least 15 years old and have a valid Florida driver's license, Florida ID, or Military ID in order to receive a debit card. 
1. Offer valid as of November 1, 2024, and may be canceled at any time without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding terms and fees. The Absolutely Free Student Checking account is designed for individual MIDFLORIDA members 10-20 years old. $25 minimum opening deposit required. Depending on age, the account may require a parent or guardian’s signature. Identification (school or government-issued ID) required to open account; driver’s license or government- issued ID required for issuance of debit card. To qualify for the $50 incentive, you must open a new Absolutely Free Student Checking account, accept and open online banking, eStatement and a debit card; and complete five debit card purchase transactions which must post within one calendar month (to be completed within the first 60 days of account opening). No dividends are paid on Absolutely Free Student 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 new Absolutely Free Student Checking account on the 61st day after the qualifications have been met, and will be reported to the IRS.