MIDFLORIDA, Your Community Credit Union.

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Information for You

Questions & Answers

Checking/Debit Cards

Debit Card Rewards

Overdraft Protection

Credit Cards

Deposit Accounts

Mortgage

Online Banking

General

Checking/Debit Cards

  • Will I receive a new debit card?
    New MIDFLORIDA cards will be provided to you at your individual card reissue date. In the meantime, you may continue to use your existing debit and credit cards—your card numbers will not change.

  • Will there be a cut-off time for members to stop using Martin check stock?
    New checks have been ordered free of charge and will arrive before or at conversion, however, your Martin check stock will continue to work. If you find an error or do not receive your order, please call the Help Desk before August 15, 2017, to have a new order completed.

  • Will Martin members receive new checks? If so, when?
    New checks have been ordered free of charge and will arrive before or at conversion, however, your Martin check stock will continue to work. If you find an error or do not receive your order, please call the Help Desk before August 15, 2017, to have a new order completed.

  • Will I need to notify the companies with whom I have an ACH (Automatic Clearing House) transaction set up for deposits (paychecks, social security checks, etc.) or withdrawals (insurance drafts, car payments, etc.) about any new account information?
    All existing ACH payments (such as insurance premiums or gym memberships) and deposits (such as payroll or Social Security) will continue without interruption.

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Debit Card Rewards

  • Martin offers Purchase Rewards, which offer discounts from various retailers through their credit card statements. Will this discount transfer to Debit Card Rewards?
    No; Martin’s Purchase Rewards program will no longer be in place. However, MIDFLORIDA offers Debit Card Rewards that can be redeemed for cash or gift cards.

  • When can I sign up for debit card rewards? How do I sign up?
    Following conversion, you can enroll by logging into Online Banking, choosing the checking account you want to enroll and clicking on the Debit Card Rewards sign up button in the upper right section of the Account Details page.

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Overdraft Protection

  • Will my Check Advance/Overdraft Protection options still be in place through and following conversion?
    Savings: If you elected to have your savings set up as overdraft protection on your checking account, this election will remain in place.

  • Line of Credit: If you elected to have a line of credit serve as your overdraft protection, you should have already received a letter asking you to contact us to reinstate this line of credit with MIDFLORIDA at the same limit or greater and at the same interest rate or lower. If you did not receive this letter, or wish to set up a Premium Line of Credit with MIDFLORIDA, call LoansPlus at (855) 560-5626.

    Account Flex: If you elected to have Account Flex on your account, you will now have Check Advance with at least a $500 limit. However, your Check Advance limit may automatically increase to $1,000 if your account meets certain criteria.* Please note that if your balance remains negative for more than 5 days, a negative balance fee will be assessed. Additionally, Check Advance requires a 15-day repayment period. *Higher limit available with 12 months’ positive account membership plus $2,000 in monthly deposits. Check Advance limit can adjust monthly based on changes in your deposit and account history. Deposit requirement must be met for three (3) consecutive months to qualify for higher limit.
  • If I have Overdraft Protection, will MIDFLORIDA continue to offer this service?
    • Savings: If you elected to have your savings set up as overdraft protection on your checking account, this election will remain in place.

    • Line of Credit: If you elected to have a line of credit serve as your overdraft protection, you should have already received a letter asking you to contact us to reinstate this line of credit with MIDFLORIDA at the same limit or greater and at the same interest rate or lower. If you did not receive this letter, or wish to set up a Premium Line of Credit with MIDFLORIDA, call LoansPlus at (855) 560-5626.

    • Account Flex: If you elected to have Account Flex on your account, you will now have Check Advance with at least a $500 limit. However, your Check Advance limit may automatically increase to $1,000 if your account meets certain criteria.* Please note that if your balance remains negative for more than 5 days, a negative balance fee will be assessed. Additionally, Check Advance requires a 15-day repayment period.

    *Higher limit available with 12 months’ positive account membership plus $2,000 in monthly deposits. Check Advance limit can adjust monthly based on changes in your deposit and account history. Deposit requirement must be met for three (3) consecutive months to qualify for higher limit.
  • What types of transactions are covered by MIDFLORIDA’s Check Advance (Overdraft Program)?
    Checks, ACH (Automated Clearing House) transactions, in-person withdrawals and Online Banking transactions/payments are automatically covered by Check Advance. However, in order to have your ATM and everyday debit card transactions included, you must opt in by completing and submitting the Opt In Disclosure Form.
  • What is the NSF/Overdraft fee?
    Insufficient Funds (NSF) Fees *
    Returned Fee (MIDFLORIDA returned the item for which there were insufficient funds)
        -Checks and ACH: $30.00 per item
    Paid (Overdraft) Fee (MIDFLORIDA paid the item for which there were insufficient funds)
        -Checks and ACH: $30.00 per item
        -ATM/Debit**
        -First overdraft/mo.: $10.00 per item
        -Second+ overdrafts/mo.: $30.00 per item
    *As a courtesy, MIDFLORIDA will rebate overdraft fees for occurrences exceeding 5 in any one day.
    **If you have Check Advance and the item/transaction is $5 or less, you will not be charged an Overdraft Fee.
  • What if my account balance is overdrawn by less than $5?
    If you have Check Advance and the item/transaction is $5 or less, you will not be charged an Overdraft Fee.
  • How long do I have to bring my account balance positive?
    A negative balance fee of $5.00 per day is charged the sixth day the account is negative.
  • Is there a fee for carrying a negative balance?
    A negative balance fee of $5.00 per day is charged the sixth day the account is negative.

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Credit Cards

  • Will I be issued a new credit card to replace my Martin FCU credit card?
    New MIDFLORIDA cards will be provided to you at your individual card reissue date. In the meantime, you may continue to use your existing debit and credit cards—your card numbers will not change.
  • Will my payment amount and payment date for my credit card remain the same?
    You will continue making payments in the same amount and on the same due date.
  • Will I receive a PIN (Personal Identification Number) for my credit card so I can access cash at an ATM?
    If you already have a PIN for your credit card, you can continue using that PIN after conversion.
  • Will I be charged a fee for taking a cash advance on my Martin credit card?
    If your available credit limit permits, you can take cash advances for free at any time by logging into Online Banking and choosing Transfer Funds. Just choose your credit card to transfer the funds from and select the account where you want the funds deposited.

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Deposit Accounts

  • Will my certificates remain the same?
    Certificates and all loans will automatically transfer over to MIDFLORIDA with the same rate and term. At certificate maturity, a notice will be sent to you outlining your certificate renewal options and allow you up to seven (7) days to contact us.
  • Will my H.S.A. account be held by MIDFLORIDA and my debit card continue to work?
    These accounts will transfer over and work the same as they always have. However, dividends will compound and be credited monthly instead of quarterly.

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Mortgage

  • Will my Martin FCU mortgage be held by MIDFLORIDA going forward?
    If your mortgage was being serviced by Martin at the time of conversion, it will be transferred to MIDFLORIDA.
  • Will my escrow account for my mortgage convert?
    Yes. However, whereas a savings-based account served as an escrow account at Martin, you will be converted to a standard escrow account under MIDFLORIDA. This means that your escrow account will be protected against unintentional access (such as Overdraft Protection), and funds will be disbursed annually and automatically on your behalf.
  • How will I receive statements for my mortgage?
    Whereas Martin included mortgage-related information on regular checking/savings account statements, MIDFLORIDA will send separate mortgage statements.

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Online Banking

  • Will I be required to establish a new user ID and password for Online Banking?
    Yes. Sometime on Sunday, July 23, you will be able to set up your online banking access with MIDFLORIDA. From the full-site version of midflorida.com, go to the Online Services login section. From there, click or tap on Sign Up and go to the Martin member link or button. Then, you will enter your existing Martin username and information about the primary member, as well as establish a new User ID and Password. Video: How to establish your MIDFLORIDA online access
  • Do I have to agree to the two disclosures for online banking to access my account using the full site or mobile banking?
    Yes. Under federal law, we must notify our members when hardware and software requirements change, and must notify members about updates to our Online Banking agreement. We are not requesting your e-signature to use in future transactions, but rather permission to send you federally mandated disclosures and updates electronically and to use Online Banking. We’ve found members appreciate not having their mail box constantly filled up with the necessary statements and disclosures that federal law requires us to send. It also saves MIDFLORIDA valuable resources by not having to send out such documents in the mail. As MIDFLORIDA is member owned, those savings translate to better service and better rates for our members such as yourself.
  • Can I continue using the Martin Mobile App?
    After 4 pm on Thursday, July 20, Martin’s Mobile App will discontinue and no changes can be made to scheduled payments or transfers. However, you will still have access to Online Banking to view your accounts until 3 pm on Saturday, July 22.
  • Will I continue to receive my statements online?
    Statements will be made available to you in either paper or electronic form based on your previous account preferences. Following conversion, you will have immediate access to at least the last 12 months of eStatements upon login. At each statement interval, you will receive an email notification that your statement is ready for viewing.
  • Will scheduled bill payments and transfers take place during conversion weekend?
    All of your existing scheduled bill payments and transfers will continue to take place during conversion weekend and after. Please note that transactions scheduled for Saturday, July 22, will be held and will take place on Sunday, July 23. In addition, you will not be able to view, set up, change or add any new payments or payees until sometime on Monday, July 24.
  • When will MIDFLORIDA have fingerprint ID for mobile banking?
    Fingerprint ID is on the horizon for our app. We’ll let you know as soon as it is available.
  • Can I access information about my Credit Card in online banking?
    Account access will need to be reestablished before you can view credit card history, statements, and payment information. Using the full site access, click on the credit card hyperlink and follow the prompts.
  • Will ApplePay and AndroidPay work during and after conversion?
    Yes; because Apple Pay and Android Pay simply provide ways for you to use a debit or credit card, and since debit and credit cards can be used as normal during conversion weekend, Apple Pay and Android Pay will continue working.
  • Does MIDFLORIDA offer Text Banking?
    Text Banking will be available to you sometime on July 23. To enroll, visit the Profile section within Online Banking or the mobile app and select Text Banking or SMS Features. Please note that the commands may differ, so please review the options available during the enrollment process. Also note that text transfers will no longer be available.
  • Will PopMoney continue to work?
    Your PopMoney payments will need to be reestablished after conversion, as information about the recipient(s) cannot be transferred. As a result, any payment using PopMoney after July 22 will not process. Also, it may be worthwhile to notate your payees before the conversion begins so you can easily set them up after July 23.

While MIDFLORIDA does not offer PopMoney, we do provide two similar services:

For payments to another person, use MIDFLORIDA’s Pay-A-Person service.
To move money to/from another financial institution, use Linked Accounts (Transfer Funds section).

Both can be set up through the full site or mobile app. Tutorials are available at midflorida.com/online-tutorials.

  • Will my budgeting information within Online Banking transfer over to MIDFLORIDA?
    MIDFLORIDA offers account aggregation and a budgeting suite similar to that offered by Martin. However, outside accounts, goals and budgets will need to be reestablished following conversion.
  • Will I continue to receive Account Alerts?
    Most account alerts are being carried over and you can expect to begin seeing these alerts sometime on Sunday, July 23, using the same delivery method you originally selected at setup. A few alert types cannot be supported: loan payment due date, loan payment past due reminder, account balances at specific intervals, general messages unrelated to banking, and check in-clearings. While an alert specifically for check in-clearings is not available, one can be set for an amount that will look at all transaction types. Visit the Profile section within Online Banking after July 23 to see all alert options available to you.
  • How will I be notified about issues such as late or missed payments or insufficient funds?
    eNotices will be delivered to the Secure Message platform of Online Banking when there is pertinent, account-specific information for you to view.
  • What options are available to me within Online Banking to make a loan payment to my Martin loan or a loan held elsewhere?
    You can select Transfer Funds from the overview screen or select Make Payment from the loan account details page. Then, make your payment from your MIDFLORIDA account, another bank account, or even use a non-MIDFLORIDA credit card for payment, in some cases. (Please note that, if making a payment from an account held at another financial institution, the other bank account must be set up as a Linked Account. For more information, see the tutorial here. Traditionally, the fastest way to submit your payment is to transfer the payment from a MIDFLORIDA account. Please be advised that, although it may take up to 24 hours for the payment to show in online banking, it is credited immediately.
  • I shared my Online Banking log in credentials with my joint account owner. How will we each log in to Online Banking following conversion?
    If you are a joint account holder and shared log in credentials with the primary account owner, contact the Help Desk to set up your own log in credentials.
  • In certain browsers, I get the option to save my user ID and password for Online Banking but it doesn’t appear to be working. Why?
    To help prevent unauthorized access to members’ accounts (especially on public computers and shared devices), MIDFLORIDA has prevented passwords from being stored in web browsers.
  • Where do funds go after they are withdrawn from my account?
    When the funds are removed from your account, they are placed into the general ledger of our Bill Pay system. A check is issued on your behalf and, once the funds have cleared the payee’s account, they are removed from the general ledger.
  • For Bill Pay, how do I know my payee received their payment?
    Please contact Help Desk and we can provide you with proof of payment.

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General

  • What is Direct Touch?
    This free Phone Banking system offers balances, account history, transfers and more, and is available by calling toll free (866) 913-3733. Use the last four digits of your Social Security number for initial login and follow the voice prompts.
  • How do I get my initial PIN for Direct Touch?
    To sign up for Phone Banking (Direct Touch), visit any branch or call the Help Desk at (863) 688-3733 or toll free (866) 913-3733 to establish a PIN (Personal Identification Number).
  • Can I use any ATM without a fee?
    Proprietary (MIDFLORIDA) ATM transactions are free, while foreign ATM transactions (inquiries, loan advances, transfers, withdrawals) are $2.00 per item.
  • Which branches will remain open in Orlando?
    All Martin branches will remain open and continue operating under normal service hours. As we expand into the Orlando market, we may open additional branches that operate under MIDFLORIDA’s traditional service hours.
  • Will I have the same type of account with MIDFLORIDA as I had with Martin?
    • If you had a Prime or Regular Savings with Martin and will be over the age of 21 as of 9/1/17, you now have a Regular Savings Account with MIDFLORIDA.

    • If you had a Prime or Youth Savings with Martin and you are 21 or under as of 8/31/17, you now have a Youth Savings Account with MIDFLORIDA.

    • If you had a MFCU Checking Account with Martin, and are over the age of 21 as of 9/1/17, you now have a Free Checking Account with MIDFLORIDA.

    • If you had a Youth or MFCU Checking Account with Martin, and you are 21 or under as of 8/31/17, you now have a RT4T Checking Account with MIDFLORIDA.

    • If you had a Money Market account with Martin, you now have a Money Market Savings account with MIDFLORIDA.

    • If you had a Christmas Club Account with Martin, you now have a Regular Savings Account with MIDFLORIDA. To convert your MIDFLORIDA Regular Savings Account to a MIDFLORIDA Holiday Club Account, call the Help Desk at (863) 688-3733 or toll free (866) 913-3733, send a secure message within Online Banking, or visit a branch.

    • If you had a Share Secured Savings with Martin, you now have a Secured Credit Card Savings Account with MIDFLORIDA.
  • Will my account number change?
    Your base account (member) number will not change; simply add seven (7) million to your existing Martin account number to determine your MIDFLORIDA member number. For members with multiple accounts, please refer to your oldest, active Martin account for your base number as all of your other accounts will be consolidated under this number. Initially, however, you won’t have to remember this number—all accounts can be accessed by your name.
Sample Martin Account Number 12345
Add 7 million 7000000
Sample New MIDFLORIDA Member Number 7012345
  • If I have a merger-related question, who can I call?
    Call our Help Desk at (866) 913-3733 or (877) 727-1ASK.
  • Will there be any special hours over the weekend of the account conversion?
    Conversion Weekend Help Desk Hours
    Friday, July 21: 7 am-10 pm
    Saturday, July 22: 7 am-8 pm
    Sunday, July 23: 7 am-7 pm
  • I mail in deposits, do I need to begin mailing to a new address?
    No; you can continue sending deposits to the Parkway branch, located at: 1727 Orlando Central Parkway; Orlando, FL 32809.
  • When will I receive my statement?
    You will receive two conversion-related statements: one that represents account activity including any dividends through July 21, 2017, from the Martin core system; and one that represents account activity including dividends through month end from MIDFLORIDA’s core system. Your August statement will generate at month end and will be made available to you in either paper or electronic form based on your previous account preferences. Beginning in August, all interest-bearing accounts will have dividends post each month.
  • When can I begin using any MIDFLORIDA branch for service?
    Once conversion is complete on Monday, July 24, you can use any of MIDFLORIDA’s 40 Central Florida branches for all of your banking needs. Until conversion is complete, however, you will need to continue using the MIDFLORIDA-Martin offices and/or online banking for your primary financial needs. For basic transactions, such as deposits and withdrawals, you can also use any MIDFLORIDA branch thanks to CO-OP Shared Branching.
  • When will Martin Debit Card transactions made over conversion weekend post to my account?
    Transactions made during conversion weekend will not post to your account until Monday, July 24; transactions made on Monday, July 24, will not post to your account until Tuesday, July 25. We suggest knowing your balance before conversion starts and keeping track of your expenses to ensure your account is not overdrawn when transactions post.
  • Will the Martin locations be open normal hours before and after the conversion?
    Yes. And, as we expand into the Orlando market, we may open additional branches that operate under MIDFLORIDA’s traditional service hours.

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