*Username
Forgot User ID*Password
Forgot PasswordExperience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
Get StartedWhat's an Overdraft?
An overdraft occurs when you do not have enough money in your account to cover a transaction, but MIDFLORIDA pays it anyway. MIDFLORIDA charges an overdraft fee when the Actual Balance is not sufficient to cover a transaction, as described in the Overdraft Agreement. We can cover your overdrafts in two different ways:
What are the Standard Overdraft Practices that Come with My Account?
MIDFLORIDA does authorize and pay overdrafts for the following types of transactions available 30 days after account opening.
MIDFLORIDA will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
MIDFLORIDA pays overdrafts at our discretion which means we do not guarantee that we will always authorize and pay any type of transaction.
If MIDFLORIDA does not authorize and pay an overdraft, your transaction will be declined.
What Fees will I be Charged if MIDFLORIDA Pays my ATM and
Everyday Debit Card Overdrafts?
Our standard overdraft practices are:
There is no limit on the total fees MIDFLORIDA can charge you for overdrawing your account.
View and print a PDF of the Opt In Disclosure Form