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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 Fee2 $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 1.5% cash back with every purchase and a $100 signing bonus after you spend $2,000 in the first 90 days. The benefits don't stop there. This card offers a low intro rate on balance transfers and no annual fee.
Notices & Disclosures
Offer valid as of August 1, 2017 and may be cancelled at any time without notice. A $5 deposit is required for membership with MIDFLORIDA Credit Union. Contact us to learn about other promotions. Promotion applies to new Free Checking accounts. 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 $200 incentive. In addition to opening a new Free Checking account, which includes 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, you must also apply and be approved for a consumer loan. The $200 will be deposited to the new Free Checking account after the qualifications have been met, and will be reported to the IRS. Minimum to open Free Checking is $50. Other checking products may qualify with restrictions. See associate for details regarding terms and fees.
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.