MIDFLORIDA, Your Community Credit Union.

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Absolutely Free Student Checking

A completely free checking account for teens and young adults through age 20.

Financial Freedom

Hey students…check out this checking account that’s anything but ordinary. It’s designed specifically with you in mind, with no fees to pay and no minimum balance to keep up with! Plus, manage your money your way with a free debit card, free text banking and free mobile banking.

Want $25 Cash?

Get a debit card with your new Absolutely Free Student Checking account and use it to make 5 purchases in the first 45 days, and we’ll give you $25. So easy!1

Teens 16-20 years old can open an account online. If you are 10-15, please visit a branch to open an account. See ID requirements

Open Account

Exclusive Giveaways

Like to win prizes? Of course, who doesn’t! As an Absolutely Free Student Checking account holder, you are automatically entered to win one of the following prizes:
View giveaway rules

February 2 tickets to Disney 4 winners
March Prom dinner & flowers 4 winners
April Gaming headphones 4 winners

Even More Cool Features

Available for members age 10-20.

Are dividends paid? No. However, the primary savings account does earn dividends.
Are there any fees? $0
A $2 fee will apply if you choose to receive your monthly account statement in paper form. Fee waived for members 18 and under. Fees for overdrafts and using other financial institution ATMs will still apply.
Minimum account balance? $0
Minimum to open an account? $25
A minimum savings account of $5.00 is required to open any type of checking account.

What forms of identification are required to open an account?

  • Ages 10-16 with a parent or guardian as a joint owner can use:
    • Valid current school photo ID (not adequate to request a debit card)
    • Florida ID
    • Military ID
    • Passport
    • Parent or guardian must have a valid Florida driver’s license or Florida ID
  • Ages 16-20 without parent or guardian as a joint owner can use:
    • Florida driver’s license
    • Florida ID

View MIDFLORIDA’s fee schedule.

1. Offer valid as of January 1, 2019, and may be canceled at any time without notice. Promotion applies to new Absolutely Free Student Checking accounts. Anyone who has held a checking account with MIDFLORIDA in the past year will not qualify for the $25 incentive. No dividends are paid on Absolutely Free Student Checking. Annual Percentage Yield is 0.00%. To receive the $25 incentive, you must complete five debit card purchase transactions within the first 45 days. If the qualifications are met, the $25 will be deposited into the account on the 46th day and will be reported to the IRS. See associate for details regarding terms and fees.