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Freedom to choose a better banking experience

Finally, a feature-rich checking account for start-ups and business owners with low or no credit.


With an opening deposit of $100, you can work on establishing or improving your personal credit while still enjoying all the perks of doing your business banking with MIDFLORIDA.

Low opening balance
200 Free transactions
Free Online Banking
Get more than just a basic checking account. Visit a branch to open a Freedom Business Checking today.

Bread baker


Benefits that work for you!

Details & Fees

Upfront Account Details

Name Fee
Monthly Maintenance Fee $15
Minimum to Open $100
A $100 minimum business savings account is required, and all owners of the business must establish a $5 minimum membership account.
Cash Deposits No fee for the first $20,000; .1% of the month’s total amount after.
ATM Transactions Free at MIDFLORIDA branches and Publix Presto! ATMs
Number of Free Transactions 200 free transactions per month; $.15 per transaction after. Debit card transactions are excluded from transaction limit. Multiple checks deposited in the same transaction will count as one transaction.1
Debit Card Transaction Fee None
Bill Pay Free in Online Banking
Checks Available for a fee
Statement Options eStatements are free with extended eStatement archival for 5 years. Paper statements are available for $2 per month.
Dividends None
Excess Debit Fee None
Coin Counting Free up to $200 per day; then 5% of amount over $200
Check Advance Not available
Notices & Disclosures
Transactions are defined as items (checks paid/other debits, deposited items). No excess transaction fee for ACH origination, debit card transactions, wire transfers, RDC, and electronic debits.