account services

Check Advance

Because Sometimes Mistakes Happen

Don’t let unplanned expenses or accidental overspending make for an embarrassing situation at the cash register. With Check Advance, your account can be overdrawn up to an established limit, giving you a little extra cushion and protection against bounced checks and declined payments.

Here's how to enroll in Check Advance:

Free Online Banking

On desktop, select Check Advance on the Profile tab.

Mobile App

Go to the Accounts home screen and tap the three dots in the top right corner of the checking account card you want to opt in.

Premier Treasury Online

Send a secure message asking to opt-in to Check Advance, and we'll send you the Opt-In form to complete electronically.

In Branch

As always, you can also stop by any branch, or print and mail the Opt In Form.

More Details on How It Works

Click or tab the arrows below to learn more about how Check Advance works.

The Check Advance limit is dependent on the type of checking account and other factors.

 

All Personal Checking Accounts
Excluding Freedom, Basic, Fiduciary, Absolutely Free Student Checking, Money Market Checking and Wealth Account. Includes Non-Profit Checking.		  
  • 1 month positive account history
  • 12 months positive account history and $2,000 in monthly deposits*
 $500
$1,000
Basic Checking  
  • 12 months positive account history and $1,000 in monthly deposits*
  • Above criteria plus 3 repaid transactions
 $100
$200
Free Business Checking and Business Checking Plus Interest  
  • 1 month positive account history
  • 6 months positive account history and $3,000 in monthly deposits*
  • 6 months positive account history and $5,000 in monthly deposits*
 $500
$1,000
$1,500

 

*Check Advance limit can adjust monthly based on changes in your deposit and account history. Deposit requirement must be met for three (3) consecutive months to qualify for higher limit.

  • Checks and ACH (Automated Clearing House) transactions are automatically covered
  • ATM and everyday debit card transactions are covered only after you’ve submitted an Opt In Disclosure Form (PDF).
  • In-person withdrawals
  • Online Banking transactions and payments

Check Advance spares you from additional fees that might be charged by a merchant for a returned transaction. However, you will be charged an overdraft fee any time your account is overdrawn (debit card transactions under $5 will not be charged). In addition, you will be assessed a fee if your account remains negative for more than five days.

  • $10 for the first debit card overdraft each month. Subsequent overdrafts are each assessed a $30 fee.
  • $30 for all other types of overdrafts, including checks, ACH, and online bill payments.
  • $5 for each day after five days that your account is negative, up to $50 per occurrence.

Members may opt out of Check Advance for checks, ACH and in-person withdrawals by visiting a branch, sending a secure message within online banking, or calling MIDFLORIDA's Help Desk at: (863) 688-3733 or toll free (866) 913-3733. 

To opt out of Check Advance for ATM and everyday debit card transactions, you can revoke consent within Online Banking, Mobile Banking, or with the Opt-In Disclosure Form.

You must be 18 years or older to use Check Advance. If your account carries a negative balance of $30 or higher for 15 days or more, the service may be cancelled without notice. Check Advance limit can adjust monthly based on changes in your deposit and account history. Overdraft fees are deducted from Check Advance limit. Learn more about overdrafts and overdraft fees. 

Please note that, when using a debit card for purchases, merchants often place a hold on the funds until the transaction is fully processed through the bank. In some cases, the hold may be for more than the actual purchase – that’s often the case with gasoline purchases. While these holds are removed once the matching transaction comes in, they can impact the available balance and limit the funds available. Using services such as Mobile Banking, Text Banking, or Direct Touch Banking allows immediate account access to ensure there are funds available prior to making a purchase.

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