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Get a head start on your #lifegoals

Have you outgrown your piggy bank? Designed for money-savvy teens and young adults between 10 – 20, the Absolutely Free Student Checking account is a great first step towards financial independence.


Who needs a checking account when you have a debit card. . .

You’re right, who needs checks anymore – all you need is a debit card and mobile banking, and you’re good. Oh, and no monthly service fee, no minimum balance requirement, rewards when you use your debit card and just $25 to get you started. (If you ever need those things called checks, just ask.)

Free text banking
Free Debit Card
Mobile deposit

Get $25 Cash!

Once you open a new student checking account, just use your debit card for 5 purchases, and we'll give you $25.1 It's that easy!

Ready to get started?

Open an account online (if between the ages of 16-20) or visit a branch.

Open an Account

Available for individuals 10-20 years old. See below for forms of ID required to open a student checking account.2

Debit Card Rewards

Earn  cash back rewards on  your purchases (minimum $10) when you choose the credit option at checkout! For every 200 points, you will receive $5 cash.  Find out more about how the Rewards for You program works.


Extras you'll love!

Details & Fees

No hidden gotchas.

Name Fee
Monthly Maintenance Fee3 $0
Minimum to Open $25
Minimum Account Balance $0
ATM Transactions Free at MIDFLORIDA branches and Publix Presto! ATMs
Debit Card Transaction Fee $0
Bill Pay Free (available at age 18)
Check Advance Not available
Checks Free standard starter checks. No per check fee.
Cashier’s Checks $5 per cashier check
Statement Options eStatements are free with extended eStatement archival for 5 years. Paper statements are available for a fee. See fee schedule.
Dividends 0.00% APR
Safe Deposit Box Rental Available for rent with Absolutely Free Student Checking at 18 years old.

Earn up to $500!

Refer friends. Earn funds.

Get $50 for each friend you refer using your unique digital code. Just log into Free Online Banking to find your shareable link and QR code and start sharing today!
Checking account required to earn referral.4
Notices & Disclosures
Offer valid as of December 1, 2023 and may be canceled at any time without notice. Promotion applies to new Absolutely Free Student Checking accounts. Anyone who has held a checking account with MIDFLORIDA in the past year will not qualify for the $25 incentive. No dividends are paid on Absolutely Free Student Checking. Annual Percentage Yield is 0.00%. Membership and eligibility requirements apply. See associate for details regarding fees and terms. To receive the $25 incentive, you must complete five debit card purchase transactions within the first 45 days. If the qualifications are met, the $25 will be deposited into the account on the 46th day and will be reported to the IRS. See associate for details regarding terms and fees.
The Absolutely Free Student Checking account is designed for individual MIDFLORIDA members 10-20 years old. Accepted forms of identification for new account: Teens 10-16 years old with a parent or guardian as a joint owner can use a valid current school ID (not adequate to request a debit card), Florida ID, Military ID, Passport, and the parent or guardian must have a valid Florida driver's license or Florida ID; youth 16-20 without a parent or guardian as a joint owner can use a Florida driver's license or Florida ID.
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.
Offer valid as of December 1, 2023, and may be canceled at any time without notice. The referring member must have a checking account. To receive the referral incentive, the prospective member must present the referral code or completed referral card at account opening. Incentive will be posted to the referring member’s account after the referred friend opens a checking account and completes five transactions (deposits/withdrawals, etc.) within 30 days. To qualify for the referral, new customer must not share household with the referring member. You cannot refer your own account, and secondary checking accounts do not qualify for this offer. Incentive is paid out to the referring member regardless of type of checking account opened by new customer. Limit 10 referrals per member.