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Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Business Checking Plus Interest
Open at a Branch
Contact a Business Banker
Grow your Business checking funds with 3.75% APY
Your bottom line will get top gains with a 3.75% APY on balances up to $10,000 when you choose Business Checking Plus Interest.*
Earn 3.75% APY on first $10,000. Minimum to open $500.*
At a Glance
Let's Get Down To Business
Business Checking Plus Interest account has everything you're looking for - a low opening deposit, higher transaction limits, plus interest. You'll get flexibility to manage your business finances and optimize your cash flow. Or compare this account with other business checking options.
Remote Deposit Capture
Electronically deposit checks into your account at MIDFLORIDA without having to leave the office.
More Free Deposits
Enjoy no fees on cash deposits up to $40,000.
Convenient Hours
Enjoy convenient branch accessibility with extended drive-thru hours and full-service Saturday hours.
Business Online Banking
Access your business checking account online with free and premium options.
|
Rate Structure* |
Rate |
APY |
|---|---|---|
| $0.01 to $10,000.00 | 3.68% | 3.75% |
| $10,000.01 to $25,000.00 | 0.050% | 3.75% to 1.53% |
| $25,000.01 to $50,000.00 | 0.050% | 1.65% to 0.79% |
| $50,000.01 to $100,000.00 | 0.050% |
0.79% to 0.42% |
| $100,000.01 and up | 0.050% | 0.42% to 0.05% |
*Annual Percentage Yield (APY) shown is accurate as of January 1, 2026. Rates may change after the account is opened, without notice. No institutional funds. Fees may reduce earnings. Contact employees for further information on fees and terms. Business Checking Plus Interest: Limit 2 accounts per TIN or SSN. 3.75% APY on first $10,000. Minimum to open, $500.
add-on solutions
Additional Services for Businesses
You're in the business to make money. We are in the business to help you manage it.
Merchant Services
Give Your Customers More Ways to Pay
Set your business up to accept Visa and Mastercard payments, as well as other electronic payments. Our secure, reliable tools help you get paid faster and simplify your operations.
Treasury Management
Maximize Your Cash Flow
From secure ACH and wire transfers to advanced fraud protection tools, we help streamline your payments and safeguard your assets. Let us support your business with solutions that give you control and peace of mind.
payroll services
Simplify Your Payroll
We’ve teamed up with Paychex® to offer you an affordable, full-service option for outsourcing payroll and payroll tax administration.
offer requirements
How to Earn Your $300 Bonus
Open a Business Checking Plus Interest account with a minimum deposit of $500 and complete the steps below within the first 60 days. Once criteria have been met, you'll receive your business checking account bonus within two weeks.
Documents Needed
Set up Online Access
Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept disclosures.
Cumulative Deposits
Make deposits totaling at least $5,000 in a calendar month for two of the first six months of account opening.
Transaction Minimum
Complete five transactions
(deposits, withdrawals, etc.).
(deposits, withdrawals, etc.).
Other Products & Services
Explore More Options
Here are related products you might find valuable.
Business Checking Plus Interest FAQs
No appointment is needed to visit any of our branch locations to open a business account. However, if you would like to make one, you can contact a business banker at (863) 293-5196.
To view the full list of everything you need, view our Required Documents page.
The minimum to open is $500.
Yes, Business Checking Plus Interest has a $25 monthly maintenance fee that can be waived when you maintain an average daily balance of $5,000 or more.
400 free transactions per month; $.15 per transaction after. 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.
No fee for the first $40,000; .1% of the month’s total amount after.
Any of our business accounts are great for small businesses. Talk to our business banking experts to see which options would work best for you.
1. Offer valid as of January 1, 2026 and may be canceled at any time without notice. MIDFLORIDA Credit Union 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; limit of 2 accounts per TIN or SSN), excludes Freedom Business Checking); 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 60 days. With the Free Business Checking account "Free" means that there are no monthly maintenance fees; other fees and charges apply. See our fee schedule for details. 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%. Annual Percentage Yield on Business Checking Plus Interest is 3.75% on balances between $.01 and $10,000.00, 3.75% to 1.53% on balances between $10,000.01 to $25,000.00, 1.53% to 0.79% on balances between $25,000.01 to $50,000.00, 0.79% to 0.42% on balances between $50,000.01 to $100,000.00, and 0.42% to 0.05% on balances of $100,000.01 and up. Rates may change after account is opened. Account must remain open and unrestricted until the incentive is paid to qualify. 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 within 14 days after the qualifications have been met and will be reported to the IRS.
