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Tax forms coming soon: Be prepared by having MIDFLORIDA's routing number and your account number ready.

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COMING SOON: A new branch is coming to Winter Park!

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Relationship Checking

Get Rewarded for your 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.)
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At a Glance

Checking Account 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. Or compare this account to other checking options.
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Free Checks

Get free standard MIDFLORIDA checks and free cashier's checks with your account.
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Earns Interest

You'll earn interest on your balances above $1,500, helping your money grow a bit as you bank.
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Free Courtesy Transfers

We'll automatically move funds from your savings to cover your checking account when needed.
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Debit card rewards

Earn cash back for yourself or for a local school.
Account Benefits

Discover Extra Perks of Your Account

With valuable benefits designed to enhance your banking experience, you'll find managing your finances easier and more rewarding.
Free online banking

Online Banking Tools for Smarter Money Management

Our Free Online Banking offers more than just convenience—it gives you powerful tools to manage your finances. Keep up with your finances in one place with a single-view dashboard and take advantage of budgeting tools to get a clear overview of spending and savings goals. It's all about making your financial life easier and more organized.
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Free Bill Pay

Effortless Banking with Bill Pay

Whether you're at home or on the go, you can pay all your bills on one screen with Online Bill Pay. Easily schedule payments—one-time or recurring—from your desktop or mobile device in just a few clicks. 
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Banking at Your Fingertips

Do it all 24/7 with MIDFLORIDA's mobile app.
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External Accounts

All Accounts, One Place

See all your bank accounts from different institutions in one spot, making it easy to get an overview of your finances.
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Card Controls

Keep Your Card Protected

Turn your card on or off instantly in the app and set controls for spending limits and transaction types.

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Budgeting tools

Budgeting Made Simple

Take control of your finances with our budget tools that track your spending and help you set savings goals.
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New Account Offer

Enjoy a $400 Cash Bonus!

Start by opening your new checking account online or at a branch and meet all qualifying activities, and we'll pay you $400 cash.1 Get started today!
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Offer Requirements

How to Earn Your $400 Bonus

Open your new Relationship Checking account with a minimum deposit of $500 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.
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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.
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Set Up Online Access

Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures. 
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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.
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Certificates

Grow your savings with secure certificate options that offer competitive earning potential and fit your long-term goals.
Certificates
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Home Equity Loan

Use the equity in your home to fund improvements, major purchases, or other goals with a lump sum, fixed-rate, and predictable monthly payment.
Home Equity Loan
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Trust Services

Plan for the future with support from Southeast Trust Company. Their advisors can help you with estate planning, personal trusts, and charitable trusts while taking time to understand your goals and guide you through each step.
Trust Services
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Insights and Tips from Our Blogs

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Relationship Checking FAQs

Discover more details about our Relationship Checking account.

The minimum deposit required to open a Relationship Checking account is $500.

Yes, the Relationship Checking account has a $12 monthly fee, which can be avoided by maintaining a balance of $1,500 or more or a combined average daily balance of $10,000 or more in deposits or loans.  The monthly fee is waived for members 65 years and older.

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
1. Offer valid as of January 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 Relationship 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 Relationship 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 0.00% on balances between $0.01 and $1,499.99 and between 0.00% and 0.01% on balances of $1,500 or more. 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 Relationship Checking account within 90 days of account opening after all qualifications have been met and will be reported to the IRS. Minimum to open Relationship Checking is $500.