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4.00% APY Returns on Business Checking.

Get down to business with our Business Checking Plus Interest account. With an APY of up to 4.00%, your bottom line will get top gains by just banking with us. At MIDFLORIDA, it pays to be you.


MIDFLORIDA's Business Checking Plus Interest account has everything you're looking for when opening a business checking account - a low opening deposit, higher transaction limits and it earns 4% APY interest on the first $10,000. You'll get the flexibility and convenience you need to manage your business finances and optimize your cash flow.

Pays dividends
400 Free transactions
Free Online Banking & Bill Pay
Tired of having to beat the clock to make your company's deposits? At MIDFLORIDA, deposits are accepted all day, so you don't have to rush or waste your valuable time. Visit a branch for more convenient solutions geared to help your business.

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Rate Structure Rate APY
$0.01 to $10,000.00 3.928% 4.00% APY
$10,000.01 to $25,000.00 0.050% 4.00% to 1.63% APY
$25,000.01 to $50,000.00 0.050% 1.63% to 0.84% APY
$50,000.01 to $100,000.00 0.050% 0.84% to 0.44% APY
$100,000.01 and up 0.050% 0.44% to 0.05%

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Benefits that work for you!

Details & Fees

Upfront Account Details

Name Fee
Monthly Maintenance Fee $25 or $0 if you maintain a $5,000 average daily balance.
Minimum to Open $5003
Cash Deposits No fee for the first $40,000; .1% of the month’s total amount after.
ATM Transactions Free at MIDFLORIDA branches and Publix Presto! ATMs
Number of Free Transactions 400 free transactions per month; $.15 per transaction after. Debit card transactions are excluded from transaction limit.2
Debit Card Transaction Fee None
Bill Pay Free
Checks Free starter kit or credit toward other check products
Statement Options eStatements are free with extended eStatement archival for 5 years. Paper statements are available for a fee. See fee schedule.
Dividends Yes
Excess Debit Fee None
Check Advance Available up to $1,500 limit.
Documentation needed at account opening Click here to view requirements.
Notices & Disclosures
Offer valid as of January 1, 2024 and may be canceled at any time without notice. Eligibility and membership requirements for business and business owner(s) apply. To qualify for the $300 incentive, the business must open a business checking account (Free Business Checking (minimum $100 to open), Premier Business Checking (minimum $500 to open) or Business Checking Plus Interest (minimum $500 to open)); accept and open Online Banking and eStatement; make deposits totaling at least $5,000 in a calendar month for two of the first six months of account opening; and complete five transactions (deposits, withdrawals, etc.) within the first 45 days. No dividends are paid on Free Business Checking and Premier Business Checking. Annual Percentage Yield for Free Business Checking and Premier Business Checking is 0.00%. Rates may change after account is opened. Any business EIN that has previously received a business checking incentive will not qualify for the $300 incentive. The $300 will be deposited to the new business checking account after the qualifications have been met and will be reported to the IRS.
Transactions include checks paid or other debits; withdrawals; deposits and deposited items; and transfers. Debit card transactions, wire transfers, deposits made via remote deposit capture, and electronic ACH credits/debits not included.
Membership and eligibility requirements apply.