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Get rewarded for your MIDFLORIDA relationship

Fall in love with a premium relationship bank account that pays dividends and offers exclusive perks to MIDFLORIDA members with multiple accounts. (And if you’re over 65, it’s free.)


Checking with plenty of perks

When you want more from a checking account than simply access to your money, try a Relationship Checking account. You'll earn interest on top of exclusive benefits, including free standard checks, discounts on safe deposit boxes and no fee for courtesy transfers from savings.

Earns interest
Free checks
Debit card rewards

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

Open an Account ​ 



Get the account features you want

Details & Fees

No hidden gotchas.

Name Fee
Monthly Maintenance Fee1 $12 or $0 with one of the following each month:
- Keep a balance of $1,500 or more
- Maintain a combined balance of $10,000 or more in deposits or loans

$0 for members over 65
Minimum to Open $500 plus a $5 deposit is required for membership with MIDFLORIDA Credit Union.
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 Free standard MIDFLORIDA checks.
Cashier’s Checks $0
Statement Options eStatements are free with extended eStatement archival for 5 years. Paper statements are available for $2 per month.
Dividends Yes. View rates
Safe Deposit Box Rental Discounts on safe deposit box rentals with Relationship Checking.

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 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.