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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

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.
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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.
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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.
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Investor Checking
Earn interest on your daily balance while still maintaining the convenience of a checking account with checks and a debit card.
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Relationship Checking
Pays dividends and offers exclusive perks like free checks, discounts on safe deposit box rentals, free cashier’s checks and much more.
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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.
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High Yield Checking
Manage your money and grow it faster - 5% APY, check writing, and all the digital tools you need in one account.
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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 June 1, 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.