Skip to Content

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
Minimum Account Balance $0
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 a fee. See fee schedule.
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. The benefits don't stop there. This card offers no annual fee.
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.
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.