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Get $200 When You Open a Free Checking Account

Bank smarter with MIDFLORIDA’s limited-time $200 cash bonus. Discover how simple it is to qualify for a Free Checking account that offers a wealth of benefits.


See if you qualify to earn a $200 bonus

How it Works

Apply online and claim your offer today. The offer code is automatically applied when you open your account. Then, meet the following criteria within 60 days of account opening:

1. Open a Free Checking account with direct deposit

Establish a direct deposit of $500 or more.  (Sorry, cash app transfers do not qualify as direct deposits.)

2. Set up Online Banking and eStatement

Enroll in Online Banking and eStatements. Then login and accept the disclosure for each.

3. Make 5 debit card purchases

Next, make 5 debit card purchases that must post within one calendar month. 

Receive $200 into your new Free Checking account.

Open Account Now

Free Checking account top benefits

With Free Early Paycheck, rewards, and other benefits, it pays to make the switch and open a new checing account with MIDFLORIDA.

  • $200 cash bonus
  • Free Early Paycheck
  • Instant-issue debit card
  • Free rewards
  • No monthly fees
  • No minimum balance

Open Online

Ready to open an account?

Get your $200 cash bonus along with the many benefits of MIDFLORIDA’s Free Checking account. Apply online and get your offer today or find a branch and open your account in person.


Free Checking account FAQs


What information do I need to apply for MIDFLORIDA’s Free Checking account?


We’ll need you to provide your Social Security Number, a government issued ID, date of birth, and a U.S. physical address. If your physical address is different from that on your ID, proof of address will also be needed. A soft credit inquiry will be made during the account opening process, which will not affect your credit rating.


How do I qualify for the $200 Free checking account bonus?


To qualify for the $200 bonus you can open your new Free Checking account either online or in person at a MIDFLORIDA branch and meet the requirements within 60 days. Once your account is active, set up and receive a minimum of $500 through direct deposit, open and accept Online Banking, eStatement and a debit card, and make 5 debit card purchases in one calendar month. The bonus will then be credited to your account automatically after these conditions are met.


Are there any monthly fees or minimum balance for the Free Checking account?


No, the Free Checking account is just that, free. It comes with no monthly maintenance fees and no minimum balance requirement. Enjoy all of the benefits of banking with MIDFLORIDA without worrying about maintaining a certain balance or incurring monthly fees.



Notices & Disclosures
Free Checking: Offer valid as of April 15, 2024, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding fees and terms. To qualify for the $200 incentive, you must open a new Free Checking account with direct deposit ($500 cumulative which must post within 60 days of account opening; cash transfer app deposits do not qualify); accept and open online banking, eStatement, and a debit card; and complete 5 debit card purchase transactions which must post in one calendar month (to be completed within the first 60 days of account opening). No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. The incentive will be deposited to new Free Checking account after the qualifications have been met, and will be reported to the IRS. Minimum to open Free Checking is $50.