Skip to Content

Personal Checking Accounts To Fit Your Life.

Wherever you are headed in life, MIDFLORIDA has personal checking accounts designed to help you manage your money on your terms.


Are you ready for better checking?

MIDFLORIDA Credit Union offers all the big bank services with the personal attention that's missing from banking these days.

As a member, you are an owner in the credit union and that means our focus is on you - not shareholders. We pass along our savings to you through fewer fees, better rates and flexible banking options.

Compare MIDFLORIDA to the Big Banks

Choose 2 accounts to compare side by side
Find the account that’s best for you.

Take a look at the many options below to easily find the checking account that appeals to you. Our helpful service representatives are also on hand to help you choose the right account for you. Stop by a branch or give us a call at (863) 688-3733 or toll free (866) 913-3733.

Debit Card Banking
Enjoy the convenience of a reloadable debit card plus card rewards, free money orders and mobile deposit.
Learn More
Free Checking
No minimum balance requirement, no monthly service fee, free online banking and bill pay, and the option to add overdraft protection and Check Advance.
Learn More
Freedom Banking
Freedom Banking offers you the chance to establish an account even if past mistakes have made it difficult for you to do so before.
Learn More
Investor Checking
Earn interest on your daily balance while still maintaining the convenience of a checking account with checks and a debit card.
Learn More
Relationship Checking
Pays dividends and offers exclusive perks like free checks, discounts on safe deposit box rentals, free cashier’s checks and much more.
Learn More
Absolutely Free Student Checking
A completely free checking account designed with teens in mind. Free mobile banking and text banking make keeping up with your account a breeze.
Learn More
Account Comparison
Comparing MIDFLORIDA Checking Accounts


Access your accounts anywhere, anytime.

We've transformed the banking experience so you can bank your way, on your time.
MIDFLORIDA Online Banking provides you a convenient way to manage your funds and offers tools to help you stay on top of your finances. See all your money at a glance, track spending, pay bills, send money to other people or external accounts and more.
Notices & Disclosures
Offer valid as of November 1, 2021 and may be cancelled at any time without notice. Eligibility requirements apply. See associate for details regarding fees and terms. To qualify for the $300 incentive, you must open a new Free Checking account and borrow from a new loan account (consumer loan, line of credit or credit card) within 45 days of account opening. The incentive for a new checking account alone is $200. 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. Opening a new Free Checking account requires accepting and opening online banking, online bill payment, eStatement, eNotice, direct deposit ($500 cumulative which must post within 45 days of account opening) and accepting a debit card. 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. To qualify for the $200 incentive, borrower must refinance an auto loan of $15,000 or more from another financial institution. Loans of $5,000 to $14,999 will receive a $100 incentive. Credit approval required. Existing MIDFLORIDA loans will not qualify for this offer. The incentive will be credited to a MIDFLORIDA checking or savings account.