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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 Fee2 $12 or $0 with one of the following each month:
- Keep a balance of $1,500 or more
- Maintain a combined average daily balance of $10,000 or more in deposits or loans

$0 for members over 65
Minimum to Open $500
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 a fee. See fee schedule.
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! This card offers no annual fee.
Notices & Disclosures
Offer valid as of March 15, 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); accept and open online banking, eStatement, and a debit card; and complete 5 debit card purchase transactions 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.