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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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Freedom Banking
Rewrite your financial future
Have past mistakes put traditional accounts out of reach? Take control of your finances and start fresh with a Freedom Banking account from MIDFLORIDA.
Open at a Branch
At a Glance
A Straightforward Banking Solution
Freedom Banking offers you the chance to establish an account even if past mistakes have made it difficult for you to do so before. You'll have easy access to your money with a free debit card with free cash-back rewards instead of receiving checks. Visit a branch to open your account today.
Free debit card
Get instant access to your money with a free instant-issue debit card, perfect for everyday purchases and ATM withdrawals.
Low Monthly fee
Enjoy the account for $4 per month, with the option to waive the fee by making 20 debit card purchases each month.
Free Online Banking
Manage your account with ease using our free online banking and mobile app, giving you access anytime, anywhere.
Account Benefits
Unlock Great Benefits
Get the flexibility and tools you need to manage your money effortlessly.
Debit Card
Free Debit Card with Cash Back Rewards
You can get a MIDFLORIDA contactless debit card instantly at any branch or have it mailed to you. Once you add the card to your mobile wallet, you can make quick and easy purchases while earning cash-back rewards or supporting your favorite school.
Direct Deposit
Get Your Pay up to 2 Days Early
If quick access to your money matters, your new checking account gives you a head start. Set up direct deposit through online banking or the mobile app, and you can get paid up to two days early. It’s fast to set up and helps you manage bills, expenses, and savings with more breathing room.
Mobile App
Smart Features to Help You Grow
Take advantage of helpful tools designed to support your financial growth.
additional benefits
Banking Made Easy
Save time and simplify your banking routine with these helpful features.
Smart Save
Round up your debit card purchases and we'll deposit the extra amount into your savings.
Text Banking
Receive your account balance and recent activity straight to your phone with one simple keyword.
Drive-thru banking
Our drive-thru is open from 7am to 7pm during the week.
Financial Literacy
MIDFLORIDA Money Minute
Boost your financial know-how with MIDFLORIDA Money Minute and gain the skills needed to make informed financial decisions.
Freedom Banking FAQs
Need more info on our Freedom Banking Account? Your questions are covered here.
Yes, Freedom Banking has a monthly fee of $4 per month, which can be waived by making 20 debit card purchases each month. The transactions must post to the account in the same month. ATM transactions do not qualify.
The minimum deposit to open a Freedom Banking account is $25.
You can pick up a contactless instant-issue debit card at a branch or have one mailed to you. Mailed cards typically arrive within 7-10 business days.
You can set up direct deposit through our widget in online banking or within the mobile app. You may also complete a fillable PDF direct deposit form and give it to your employer. Learn more about direct deposit
Once direct deposit is set up, MIDFLORIDA credits your pay early when your employer or agency sends the deposit file, which can be up to two days before your payday. Learn more about Early Paycheck
To help protect against overdrafts, you can link a MIDFLORIDA savings account or line of credit to your checking account. If you do not have enough money to cover a transaction, MIDFLORIDA will make a courtesy transfer for you (fee applies). See fee schedule
