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Add dividends to your day-to-day banking

If your account balance is $1,000 or more, Investor Checking is a profitable option. Earn interest on your daily balance with the ease and convenience of a checking account.


When you want your money to work for you

Earn interest on your money without sacrificing flexibility. With Investor Checking, you can easily manage your day-to-day banking, as well as earn dividends on the entire balance with no restrictions or requirements to do so.

Earns interest
Free Bill Pay
Free debit card

Become a MIDFLORIDA Credit Union member and open an Investor Checking account by visiting a branch.

View Rates



Account details to help manage your money.

Details & Fees

No hidden gotchas.

Name Fee
Monthly Maintenance Fee2 $6 or $0 when you maintain a $1,000 average daily balance.
Minimum to Open $1,000
Minimum Account Balance $1,000
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 Yes. View rates
Safe Deposit Box Rental Available for rent with Investor Checking Account.
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.