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Absolutely, positively free checking.

Finally - a free checking account that lives up to its name. No hidden fees. No minimum balance requirement. No catch.


At a glance what you can get.

Want an economical, yet simple way to do your banking? With a Free Checking account, you’ll receive many cost-saving advantages, including no minimum balance to maintain and unlimited debit card use, without losing any convenient services or account accessibility.

No minimum balance
No monthly fee
Debit card rewards

Become a MIDFLORIDA Credit Union member and open a Free Checking account by applying online or visiting a branch.

Open an Account ​ 


All the account details included, for free.


No hidden gotchas.

Name Fee
Monthly Maintenance Fee1 $0
Minimum to Open $50 plus a $5 deposit is required for membership with MIDFLORIDA Credit Union.
Minimum Account Balance $0 - Should your savings account balance fall below $100, a low balance fee of $5.00 will be charged per month.
ATM Transactions Free at MIDFLORIDA branches and Publix Presto! ATMs
Debit Card Transaction Fee $0
Bill Pay Free
Check Advance Available up to $1,000 limit.
Checks Available (fee applies).
Cashier’s Checks $5 per cashier's check
Statement Options eStatements are free with extended eStatement archival for 5 years. Paper statements are available for $2 per month.
Dividends None
Safe Deposit Box Rental Available for rent with Free Checking Account.

Visa Signature

Cash in with every checkout

The MIDFLORIDA Visa Signature card rewards you with 2.5% cash back. The benefits don't stop there. This card offers no annual fee.
Notices & Disclosures
Offer valid as of October 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.
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.