Get $200 When You Open a Free Checking Account

Bank smarter with MIDFLORIDA’s limited-time $200 cash bonus. Discover how simple it is to qualify for a Free Checking account that offers a wealth of benefits.

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SPECIAL OFFER

See if you qualify to earn a $200 bonus

How it Works

Apply online and claim your offer today. The offer code is automatically applied when you open your account. Then, meet the following criteria within 60 days of account opening:

1. Open a Free Checking account with direct deposit

Establish a direct deposit of $500 or more. (Sorry, cash app transfers do not qualify as direct deposits.)

2. Set up Online Banking and eStatement

Enroll in Online Banking and eStatements. Then login and accept the dislcosures for each.

3. Make 5 debit card purchases

Next, make 5 debit card purchases that must post within one calendar month.

Receive $200 into your new Free Checking account.

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Free Checking account top benefits

With Free Early Paycheck, rewards, and other benefits, it pays to make the switch and open a new checing account with MIDFLORIDA.

$200 cash bonus
Free Early Paycheck
Instant-issue debit card
Free rewards
No monthly fees
No minimum balance

Get paid up to 2 days early

Want access to your paycheck earlier than usual? With a MIDFLORIDA checking account, you will receive our Free Early Paycheck service automatically which means getting your direct deposit up to 2 days earlier.

Instant issue debit card

Whether you open a new account online or in person, you can walk into a MIDFLORIDA branch and walk out with a new debit card in hand, in minutes. No more waiting for your card to come in the mail. Plus, you can personalize your card with several fun designs to choose from.

With a MIDFLORIDA debit card, you can earn points for cash back or raise money for a local school anywhere you make a purchase - online or in stores.

Wide range of free benefits

Make the most of your banking with features like early paycheck access, instant issue debit cards, and text banking.

Advanced online banking

Access to do all your banking securely online, including a single view look at all of your accounts.

Extensive local presence

With nearly 65 branches located throughout Central Florida, access to your accounts and in-person advice is always accessible.

Excellent personal attention

Our dedicated team ensures every interaction is tailored to your financial needs with expert advice and support.

As a credit union, our members are owners. Profits provide lower fees, better rates, and more member-centered services.

Free financial resources

We provide a wealth of educational resources to help you better manage your finances and empower informed decisions.

Get your $200 cash bonus along with the many benefits of MIDFLORIDA’s Free Checking account. Apply online and get your offer today or find a branch and open your account in person.

Free Checking account FAQs

What information do I need to apply for MIDFLORIDA’s Free Checking account?

We’ll need you to provide your Social Security Number, a government issued ID, date of birth, and a U.S. physical address. If your physical address is different from that on your ID, proof of address will also be needed. A soft credit inquiry will be made during the account opening process, which will not affect your credit rating.

How do I qualify for the $200 Free checking account bonus?

To qualify for the $200 bonus you can open your new Free Checking account either online or in person at a MIDFLORIDA branch and meet the requirements within 60 days. Once your account is active, set up and receive a minimum of $500 through direct deposit, open and accept Online Banking, eStatement and a debit card, and make 5 debit card purchases in one calendar month. The bonus will then be credited to your account automatically after these conditions are met.

Are there any monthly fees or minimum balance for the Free Checking account?

No, the Free Checking account is just that, free. It comes with no monthly maintenance fees and no minimum balance requirement. Enjoy all of the benefits of banking with MIDFLORIDA without worrying about maintaining a certain balance or incurring monthly fees.

Pay all your bills from one location or schedule them in advance, and say goodbye to writing checks and buying stamps.

Linked Accounts

Transfer funds between accounts that you own at MIDFLORIDA and other financial institutions.

Overdraft solutions

People make mistakes, so the occasional overdraft can happen. It's a good idea to have a MIDFLORIDA overdraft solution in place.

Send quick payments directly from your checking account to other people through Online Banking or our mobile app.

Notices & Disclosures

1

Free Checking: Offer valid as of April 15, 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 Free 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). 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 new Free Checking account after the qualifications have been met, and will be reported to the IRS. Minimum to open Free Checking is $50.