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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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Personal CHecking
Investor Checking with MIDFLORIDA
With an Investor Checking account, you can earn dividends on balances of at least $1,000 while keeping flexible access to your money. It is a smart fit for members who want everyday checking features with added earning potential.
Open at a Branch
At a Glance
Make Your Money Work for You
Earn interest on your money without sacrificing flexibility. With Investor Checking, you can easily manage your day-to-day banking, plus earn dividends on the entire balance with no restrictions or requirements to do so. Or compare this account with other checking options.
Bill Pay
Pay all your bills from one place or schedule them in advance.
Debit card rewards
Earn cash back for yourself or support a local school.
Over 1,300 no-fee ATMs
Avoid surcharges when you use a MIDFLORIDA or Publix Presto! ATM.
Overdraft Coverage
Overdraft protection options are available to help you avoid declined transactions.
Account Benefits
Extra Perks That Make Banking Easier
Investor Checking includes digital tools and account features that help you manage money, pay bills, and stay organized.
Free online banking
Smarter Money Management
Use our Free Online Banking tool to view your accounts, link external accounts, move money between institutions, and keep track of your finances. Built-in budgeting tools can also help you review spending, monitor progress, and stay focused on your savings goals.
Free Bill Pay
Stay on Top of Bills with Scheduled Payments
Schedule one-time or recurring payments from your desktop or mobile device, making it easier to manage due dates and routine expenses. Pay bills from one screen with Online Bill Pay, whether you are at home or on the go.
Mobile Banking app
Stay in Control with Our Mobile App
Access your accounts, check balances, and manage transactions with ease, all from the palm of your hand.
New Account Offer
Enjoy a $400 Cash Bonus!
Start by opening your new checking account and meet all qualifying activities, and we'll pay you $400 cash.1 Get started today!
Offer Requirements
How to Earn Your $400 Bonus
Open your new Investor Checking account with a minimum deposit of $1,000 and complete the steps below within the first 75 days. Once criteria have been met, you'll receive your bonus within 90 days of account opening.
Set Up direct Deposit
Receive a direct deposit of $4,000 or more to your new checking account. Note: cash app transfers don't qualify.
Set Up Online Access
Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures.
Use Your Debit Card
Pick up a free debit card from any branch (or have one mailed to you) and use it to make 40 purchases. ATM transactions don't qualify.
Other Products & Services
Explore More Banking Options
MIDFLORIDA offers a range of valuable products and services designed to meet all your financial needs.
Investor Checking Account FAQs
Find quick answers to common questions about Investor Checking.
An Investor Checking account is a checking account that lets you earn dividends while still keeping everyday access to your money. MIDFLORIDA Investor Checking is designed for members who want a flexible checking account with added earning potential.
Yes, Investor Checking has a fee of $6 per month, which can be waived by maintaining an average daily balance of $1,000.
The minimum deposit to open an Investor Checking account is $1,000.
Yes, the Investor Checking account has a minimum balance requirement of $1,000.
No, there is no minimum balance required to earn dividends on an Investor Checking account.
1. Offer valid as of June 1, 2026, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding fees and terms. Freedom Banking, fiduciary and minor accounts excluded. Other terms and conditions apply. To qualify for the $400 incentive, you must open a new Investor Checking account with direct deposit ($4,000 cumulative which must post within 75 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 40 debit card purchase transactions which must post within 75 days of account opening. To qualify for the $200 incentive, you must open a new Investor Checking account with direct deposit ($2,000 cumulative which must post within 75 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 20 debit card purchase transactions which must post within 75 days of account opening. Direct Deposit must be an automated clearing house (ACH) credit of your paycheck, pension or government benefits from your employer or the government; tax refunds, cash transfer app deposits and transfers from another MIDFLORIDA account do not qualify. Annual Percentage Yield is 0.25%. Rates may change after account is opened. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. New account must remain open and unrestricted at least 90 days to qualify for the incentive. The incentive will be deposited to the new Investor Checking account within 90 days of account opening after all qualifications have been met and will be reported to the IRS. Minimum to open Investor Checking is $1,000.
