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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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Grow Your Business
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Business Checking Plus Interest Account
Grow your business funds while managing everyday transactions. With 5.00% APY on balances up to $10,000*, our Business Checking Plus Interest account helps your money work harder while supporting daily operations.
Earn 5.00% APY on first $10,000. Minimum to open $500.*
At a Glance
Business Checking That Helps Your Money Grow
A business checking account with interest allows your company to earn returns while handling regular transactions like deposits, vendor payments, and payroll. MIDFLORIDA’s Business Checking Plus Interest account combines earning potential with the flexibility businesses need to manage cash flow.
Remote Deposit Capture
Deposit checks electronically into your account without leaving the office to save time and keep business operations moving smoothly.
More Free Deposits
Enjoy no fees on cash deposits up to $40,000 each month, giving your business flexibility when handling larger cash volumes.
Convenient Hours
Enjoy convenient branch accessibility with extended drive-thru hours and full-service Saturday hours.
Business Online Banking
Manage your business checking account anytime through secure online banking with both free and premium options.
Not sure if our Business Checking Plus Interest account is the right fit? Compare other MIDFLORIDA business checking account options to find the account that best supports your business.
|
Rate Structure* |
Rate |
APY |
|---|---|---|
| $0.01 to $10,000.00 | 4.88% | 5.00% |
| $10,000.01 to $25,000.00 | 0.050% | 5.00% to 2.00% |
| $25,000.01 to $50,000.00 | 0.050% | 2.00% to 1.02% |
| $50,000.01 to $100,000.00 | 0.050% |
1.02% to 0.54% |
| $100,000.01 and up | 0.050% | 0.54% to 0.05% |
*Annual Percentage Yield (APY) shown is accurate as of June 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. 5.00% APY on first $10,000. Minimum to open, $500.
add-on solutions
Additional Business Banking Services
You're in the business to make money. We are in the business to help you manage it with business services designed to simplify payments, improve cash flow, and save time.
Merchant Services
Give Your Customers More Ways to Pay
Accept Visa, Mastercard, and other electronic payments with secure merchant processing solutions. Our secure tools help your business get paid faster, improve customer convenience, and simplify day-to-day payment management.
Treasury Management
Maximize Your Cash Flow
Manage payments and protect your business with treasury management solutions designed for efficiency and security. From ACH and wire transfers to fraud protection tools, these services help streamline operations and give you greater control over your finances.
payroll services
Simplify Your Payroll
Through our partnership with Paychex®, MIDFLORIDA offers businesses an affordable, full-service solution for payroll processing and payroll tax administration so you can spend less time on paperwork and more time running your business.
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 eStatements, then log in and accept required disclosures.
Make Qualifying Deposits
Make deposits totaling at least $5,000 in one calendar month for two of the first six months of account opening.
Meet the Transaction Minimum
Complete at least five qualifying transactions, such as deposits, withdrawals, or other eligible account activity.
Other Products & Services
Explore More Banking Options
Here are related products you might find valuable.
Business Checking Plus Interest FAQs
Some business checking accounts earn interest, while others do not. With MIDFLORIDA’s Business Checking Plus Interest, your business can earn 5.00% APY on qualifying balances up to $10,000 while still having access to the funds you need for daily expenses, payments, and cash flow.
No appointment is needed to visit a MIDFLORIDA branch and open a business account. However, if you would like to make one, you can contact a business banker at (863) 293-5196.
The documents you need depend on your business type, but commonly include SS-4, EIN, business tax receipts, bylaws, operating agreements, and active certification with Sunbiz. To view the full list of everything you need, view our Required Documents page.
The minimum opening deposit for a Business Checking Plus Interest account at MIDFLORIDA 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.
Business Checking Plus Interest includes 400 free transactions per month. A fee of $0.15 applies for each additional transaction. 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.
There is no fee on the first $40,000 in cash deposits each month. After that, a fee of 0.1% applies to the total monthly cash deposit amount over the limit.
Yes, MIDFLORIDA offers several business account options that can work well for small businesses. We recommend speaking with one of our business banking experts to see which account would work best for you.
1. Offer valid as of June 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 5.00% on balances between $.01 and $10,000.00, 5.00% to 2.00% on balances between $10,000.01 to $25,000.00, 2.00% to 1.02% on balances between $25,000.01 to $50,000.00, 1.02% to 0.54% on balances between $50,000.01 to $100,000.00, and 0.54% 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.
