MIDFLORIDA, What a Bank Should Be.

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FAQ

FAQ

Listed below are some Frequently Asked Questions of MIDFLORIDA

Membership

How can I open an account with MIDFLORIDA?
What is the minimum amount required to open an account with MIDFLORIDA?

General

What products/services does MIDFLORIDA offer?
Why does MIDFLORIDA require picture ID on all cash withdrawal transactions and transactions with cash back?
Are my funds insured if they are on deposit with MIDFLORIDA?
When does MIDFLORIDA send account statements to the membership?
Why does MIDFLORIDA require every member to open a savings account, if all they want is a checking account or a loan?
Which branches are open on Saturday and what are the hours?
Who do I call if I have a question about my account?
What number do I call if my debit card, credit card or checkbook has been stolen?

Products & Accounts

Does MIDFLORIDA offer an account for minors?
Why can’t I get an ATM card if I only have a savings account?
How long does it take to receive checks that were ordered for my MIDFLORIDA account?
What is the daily cash withdrawal limit on my ATM/Debit card?
What is a debit card and why do you review my credit to approve me for one?

What products/services does MIDFLORIDA offer?

MIDFLORIDA offers a variety of savings, checking, certificate and IRA products, plus auto and mortgage loans, credit cards and consolidation loans. To find out specific information about products, choose the appropriate product from the top navigation menu.

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Why does MIDFLORIDA require picture ID on all cash withdrawal transactions and transactions with cash back?

Although showing your identification can be inconvenient, MIDFLORIDA believes in protecting its members to the fullest extent. Fraudulent activity happens daily in the financial industry and has become a regular way of life for some. This policy was put into place to protect you – our member.

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Are my funds insured if they are on deposit with MIDFLORIDA?

All funds on deposit with MIDFLORIDA are insured up to $250,000 per account by the NCUA. Review the NCUA Insured Funds brochure for more information on your coverage.

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How can I open an account with MIDFLORIDA?

MIDFLORIDA is a community-based credit union – which means if you live work, worship or attend school in our service area, you can become a member. View a list of the communities we serve.

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What is the minimum amount required to open an account with MIDFLORIDA?

To open any type of account with MIDFLORIDA, you must open a share account with a minimum of $5.00. To avoid low balance fees, a minimum balance of $100.00 is suggested.

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When does MIDFLORIDA send account statements to the membership?

Member’s accounts with an active status are segmented into monthly and quarterly statement cycles. Members with savings products only receive their statements on a quarterly basis (Jan/Apr/July/Oct). Members who have checking and loan type products receive monthly statements. Regardless of whether you receive your statement monthly or quarterly, statements are generated on the 10th, 15th, 20th and last day of the month. The opening date and the type of products you have determine the cycle that your account statement falls into. Business Accounts receive statements on the last day of the month. If you are unsure about when your statement should arrive or would like to request a different statement cycle, call the Help Desk.

(863) 688-3733
Toll free (866) 913-3733

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Does MIDFLORIDA offer an account for minors?

MIDFLORIDA offers accounts to meet every lifestyle and stage of life, including minors. MIDFLORIDA’s GatorSaver account is tailored for the first time “saver” and is geared for children ages 9 and under.

If your child is over the age of 10, he or she can open our new teen checking account – Rated T For Teen Checking, full of free perks.

Depending on age, account may require a parent’s signature on the savings application.

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How long does it take to receive checks that were ordered for my MIDFLORIDA account?

Generally members receive their checks within 8 to 10 business days from the date they were ordered.

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Why does MIDFLORIDA require every member to open a savings account, if all they want is a checking account or a loan?

Opening and maintaining the savings account represents membership in MIDFLORIDA thus giving members ownership and voting privileges.

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Why can’t I get an ATM card if I only have a savings account?

Regulations that govern MIDFLORIDA make it unfeasible to offer an ATM card on a savings account.

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What is the daily cash withdrawal limit on my ATM/Debit card?

There is a $500.00 daily withdrawal limit per account.

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Which branches are open on Saturday and what are the hours?

Click here to view which branches have Saturday hours.

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What is a debit card and why do you review my credit to approve me for one?

A debit card is MIDFLORIDA’s alternative access to your checking account without the hassle of check writing. MIDFLORIDA’s debit card can be used anywhere around the world, wherever VISA Debit is accepted. Because the debit card functions like a credit card, a review of your credit is necessary for approval.

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Who do I call if I have a question about my account?

If your question is specific to your account, you may be able to get the answer by calling Direct Touch. Direct Touch offers protected access to your account information to find out which checks have cleared, what deposits have been made, account balances and more. Plus, you have the option to perform simple transactions like transfers or check withdrawals. To reach Direct Touch, dial one of the numbers below and choose the Direct Touch menu option.

But if your question is more extensive, you want to speak to someone who has the expertise to handle your problem. Call our Help Desk where you’ll reach someone specifically trained to answer questions and provide information. The Help Desk can be reached Monday – Friday from 7 a.m. to 7 p.m., and Saturday from 8:30 a.m. to 1 p.m.

(863) 688-3733
Toll free (866) 913-3733

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What number do I call if my debit card, credit card or checkbook has been stolen?

To report a lost or stolen Debit Card, please call 1-800-472-3272 available 24 hours a day, 7 days a week.
To report a lost or stolen Credit Card, please call 1-877-602-9023 available 24 hours a day, 7 days a week.
To report a lost or stolen checkbook, please call one of the Help Desk numbers below. If after business hours, you may put a stop-payment on a check or a series of checks by calling one of the numbers below and choosing the Direct Touch menu option.

(863) 688-3733
Toll free (866) 913-3733

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