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Simple, straightforward debit card banking

Reap the benefits of a reloadable debit card and flexible checking account without the hassle of monthly fees or minimum balance requirements.


The banking tools you need

When your needs go beyond a traditional checking account, Debit Card Banking is your modern solution. Not only does this account offer 24/7 account access, it also comes with all the features you need to do your banking at home or on the go.

Free mobile deposit
No monthly fee
Free text alerts

Become a MIDFLORIDA Credit Union member and open a Debit Card Banking account by visiting a branch.



Account benefits you'll love.

Details & Fees

No hidden gotchas.

Name Fee
Monthly Maintenance Fee2 $0
Minimum to Open $50
Minimum Account Balance $0
ATM Transactions Free at MIDFLORIDA branches and Publix Presto! ATMs
Debit Card Transaction Fee $0
Bill Pay $4.95 per month
Check Advance Available up to $1,000 limit for members age 21 and up.
Checks Not available
Cashier’s Checks $0
Statement Options eStatements are free with extended eStatement archival for 5 years. Paper statements are available for a fee. See fee schedule.
Dividends None
Safe Deposit Box Rental Available for rent with Debit Card Banking Account.

Debit Card Rewards

Choose credit with every purchase to earn cash back!

The MIDFLORIDA Debit Card rewards you for purchases you make every day. Once you enroll in Rewards for You, you'll earn points that can be redeemed for cash back when you choose credit at checkout. If you aren't sure how, just ask the cashier. Enroll within Online Banking
Notices & Disclosures
Offer valid as of January 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 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%. 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.
Standard fees such as Non-Sufficient Funds do apply, but are much lower than many banks. Please view our full fee schedule. Fees subject to change.