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Get $200 cash with Free Checking

Shopping for a better bank? Make the switch to MIDFLORIDA and get more out of your banking with Free Early Paycheck and an instant-issue debit card.

How to qualify

All the banking access you want without the fees

For a limited time, we’ll give you $200 cash when you open a new Free Checking account with direct deposit.1


Open a Free Checking account today with no monthly service fee and no minimum balance to maintain. Every MIDFLORIDA account comes with several digital banking tools giving you quick easy access to your money. Bonus! Many of our other checking accounts qualify for $200 cash, too: Relationship Checking2, Investor Checking3 and Debit Card Banking4.

Here's how it works:

  1. Open a Free Checking account and set up direct deposit
  2. Post $500 or more by direct deposit in the first 45 days
  3. Receive $200 into your new Free Checking account

Open Account


Early Paycheck and Instant Issue Debit Card

What you get with a Free Checking account

Get paid up to 2 days early!

Want access to your paycheck earlier than usual? With a MIDFLORIDA checking account, you will receive our Free Early Paycheck service automatically - which means getting  your direct deposit up to 2 days earlier than your scheduled payday. Learn more about how Early Paycheck works

Instant Issue Debit Card

Whether you open a new account online or in person, you can walk into any MIDFLORIDA branch and walk out with a new debit card in hand, in minutes. No more waiting for your card to come in the mail. Plus, you can personalize your card with several fun designs to choose from.  Learn more about the features that come with a MIDFLORIDA debit card

Free rewards

With a MIDFLORIDA debit card, you can earn points for cash back or raise money for a local school anywhere you make a purchase - online or in stores. Learn more about Debit Card Rewards

Options to open your account

Ready to open an account?

 

Open your account online
or in person 

Find a branch

Notices & Disclosures
1
Offer valid as of January 1, 2023 and may be canceled at any time. 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 45 days of account opening), as well as accept and open online banking, online bill payment, eStatement, eNotice, and a debit card. No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%. Anyone who has held a checking account with MIDFLORIDA in the past year will not qualify for the incentive. 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.
2
Relationship Checking: Offer valid as of January 1, 2023 and may be cancelled at any time. Eligibility requirements apply. See associate for details regarding fees and terms. To qualify for the $200 incentive, you must open a new Relationship Checking account with direct deposit ($500 cumulative which must post within 45 days of account opening), as well as accept and open online banking, online bill payment, eStatement, eNotice, and a debit card. Annual Percentage Yield is 0.00% for balances up to $1,499.99, and 0.01% for balances $1,500.00 and over. Rate may change after account is opened. Fees may reduce earnings. Anyone who has held a checking account with MIDFLORIDA in the past year will not qualify for the incentive. The incentive will be deposited to new Relationship Checking account after the qualifications have been met, and will be reported to the IRS. Minimum to open Relationship Checking is $500.
3
Investor Checking: Offer valid as of January 1, 2023 and may be cancelled at any time. Eligibility requirements apply. See associate for details regarding fees and terms. To qualify for the $200 incentive, you must open a new Investor Checking account with direct deposit ($500 cumulative which must post within 45 days of account opening), as well as accept and open online banking, online bill payment, eStatement, eNotice, and a debit card. Annual Percentage Yield is 0.25% for balances up to $999.99, 0.25% for balances of $1,000.00 to $10,000.00, and 0.25% to 0.05% for balances $10,000.01 and over. Rate may change after account is opened. Fees may reduce earnings Anyone who has held a checking account with MIDFLORIDA in the past year will not qualify for the incentive. The incentive will be deposited to new Investor Checking account after the qualifications have been met, and will be reported to the IRS. Minimum to open Investor Checking is $1,000.
4
Debit Card Banking: Offer valid as of January 1, 2023 and may be cancelled at any time. Eligibility requirements apply. See associate for details regarding fees and terms. To qualify for the $200 incentive, you must open a new Debit Card Banking account with direct deposit ($500 cumulative which must post within 45 days of account opening), as well as accept and open online banking, online bill payment, eStatement, eNotice, and a debit card. No dividends are paid on Debit Card Banking. Annual Percentage Yield is 0.00%. Anyone who has held a checking account with MIDFLORIDA in the past year will not qualify for the incentive. The incentive will be deposited to new Debit Card Banking account after the qualifications have been met, and will be reported to the IRS. Minimum to open Debit Card Banking is $50.