MIDFLORIDA, What a Bank Should Be.

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Online Account Opening FAQs

Listed below are some frequently asked questions about opening an account online.

What do I need to open an account with MIDFLORIDA?
Is my online application secure?
What information do I need to open a joint account?
Why is personal information required to open an account online?
Is a minimum deposit required to open an account online?
When is the opening deposit processed?

What do I need to open an account with MIDFLORIDA?

There are several things you will need to refer to – and provide – during the account opening process:

  • You’ll be asked for your U.S. Social Security number and valid form of identification including: Driver’s license, State ID or Military ID.
  • You will need to provide personal information, including your date of birth and previous mailing addresses.
  • If you are not a U.S. Citizen or U.S. Resident Alien and do not have the above information, we will be unable to enroll you online. Please visit one of our branches for assistance.

Is my online application secure?

MIDFLORIDA uses encryption for online security. Encryption technology helps provide secure transmission of information along the Internet by encoding the transmitted data using a mathematical formula to scramble the data. Without a corresponding “decoder,” the transmission would look like nonsense text and would be unusable.

Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), e-mail messages and sensitive documents.

Encryption is utilized with the transmission of data from one party to another. The sender encodes the data by scrambling it and then sends it on. The receiver must decode the data with the correct “decoder” in order to read and use it. The effectiveness (or level of security) for encryption is measured in terms of how long the key is – the longer the key, the longer it would take for someone without the correct “decoder” to break the code. The length of the key is measured in bits (e.g., 40-bit encryption, the level of encryption used with many ordinary browsers, versus 128-bit encryption, the level of encryption required to use this application).

What information do I need to open a joint account?

You’ll need the same information that’s required when opening an individual account – but you’ll need it for both applicants. For details, select “What do I need to open an account with MIDFLORIDA?” above. Please note that each applicant will need to sign the signature card.

Why is personal information required to open an account online?

Your application is processed subject to our ability to verify your identity. (For more information, select “What do I need to open an account with MIDFLORIDA?” above.)

Is a minimum deposit required to open an account online?

Please refer to our account selection page for product minimums.

When is the opening deposit processed?

ACH transfers from your existing account at another financial institution to your new account can take up to 5 business days. The process involves two small initial deposits that must be verified before the full deposit is made. We will send you a verification link to the email address that you provide.

If a credit or debit card is used to make your deposit, the transaction will occur within 2-3 business days.