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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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absolutely free Student Checking
Enjoy A Free Student Checking Account with Great Benefits
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.
Get Started Online Open at a Branch 
At a Glance
Your Card. Your Account.
With a contactless debit card and an easy-to-use mobile app, our student checking account makes managing your money simple. Access your cash anytime—whether you're buying coffee, paying for textbooks, or splitting the bill with friends. It’s a convenient and secure account that helps you stay on top of your finances. Compare this account with other options that that fit you best.
Say Hello
Visit a branch for face-to-face banking with Saturday hours.
Direct Deposit Tool
Set up direct deposit with your employer. We make it easy using our direct connect widget within online banking.
Text Banking
With a simple keyword, you can get your account balance and recent account history directly to your phone by text message.
Smart Save
Round up your debit card purchases and we'll deposit it into a savings account for you.
Account benefits
Get More from Your Student Checking
Our Absolutely Free Student Checking account is packed with cool features that make managing your money easier and more rewarding.
Debit Card Rewards
Make Easy Money with Cash Back Rewards
Who doesn't love getting paid to shop? With MIDFLORIDA's Debit Card Rewards, you get paid a little something extra when you spend $10 or more. It's like getting rewarded just for living your best life.
Mobile App
Stay on top of your money without the hassle.
With the MIDFLORIDA mobile app, you can check your balance, track your spending, and deposit a check—all from your phone. Whether you're between classes or hanging out with friends, your checking account is just a tap away! Sign up for online banking and download the app.
Mobile app
Banking at Your Fingertips
Do it all 24/7 with MIDFLORIDA's mobile app.
How to earn bonus
The Steps Toward Your $50 Bonus
Follow these simple steps within the first 60 days of account opening to score $50 with your new Absolutely Free Student Checking account.
Open account
Open a new student checking account online or at a branch with at least $25.
Set up online access
Enroll in online banking and eStatement. Be sure to log in and accept the disclosures.
use debit card
Pick up a free debit card and use it to make 5 purchases in one calendar month. (ATM transactions don't count.)
Other Products & Services
Explore More Banking Options
We offer a range of valuable products and services designed to meet all your financial needs.
Student Checking FAQs
Got questions about our Absolutely Free Student Checking account? We've got all the answers right here.
Absolutely! Teens and young adults between the ages of 14 and 20 can open an Absolutely Free Student Checking Account.
Teens and young adults 14-20 can open the account online. However, in most cases a young adult's identity cannot be verified online and the student is asked to visit a branch with their ID to complete the account opening process and pick up a debit card. Youth 10-13 must visit a branch to open an account.
Accepted forms of identification for new account: A parent or guardian is required as a joint owner on all accounts where the minor is 14 and under. Youth 10-20 years old with a parent or guardian as a joint owner must provide their Social Security number and the parent or guardian must have a valid Florida driver's license, Florida ID card, or Military ID. Youth 15-20 can open an account without a parent or guardian as a joint owner and must provide their Social Security number and have a valid Florida driver's license, Florida ID, or Military ID.
You must be at least 15 years old and have a valid Florida driver's license, Florida ID, or Military ID in order to receive a debit card.
1. Offer valid as of May 1, 2025, and may be canceled at any time without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding terms and fees. The Absolutely Free Student Checking account is designed for individual MIDFLORIDA members 10-20 years old. $25 minimum opening deposit required. Depending on age, the account may require a parent or guardian’s signature. Identification (school or government-issued ID) required to open account; driver’s license or government- issued ID required for issuance of debit card. To qualify for the $50 incentive, you must open a new Absolutely Free Student Checking account, accept and open online banking, eStatement and a debit card; and complete five debit card purchase transactions which must post within one calendar month (to be completed within the first 60 days of account opening). No dividends are paid on Absolutely Free Student 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 Absolutely Free Student Checking account on the 61st day after the qualifications have been met, and will be reported to the IRS.
