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Personal Checking

Relationship Checking with MIDFLORIDA

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 everyday access to your money, Relationship Checking rewards you for your financial relationship with MIDFLORIDA. You can earn dividends on qualifying balances and enjoy perks like 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.
Order Checks
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Earn Dividends

Earn dividends on balances above $1,500, helping your money grow a bit as you bank.
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Free Courtesy Transfers

MIDFLORIDA can automatically move funds from your savings to cover your checking account when needed.
Overdraft Protection
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Debit card rewards

Earn cash back for yourself or support a local school with your debit card purchases.
Debit Card Rewards
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Monthly Fee Waiver Options

The $12 monthly fee is waived with a $1,500 account balance, $10,000 combined average daily balance in deposits or loans, or for members 65 and older.
Fee Details
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Early Paycheck

Get paid sooner with free early deposits.
Early Paycheck
Account Benefits

Discover Extra Perks That Make Banking Easier

MIDFLORIDA's Relationship Checking Account offers valuable benefits designed to enhance your banking experience, and make 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. View your accounts, track spending, use budgeting tools, and stay connected to your money from your desktop or mobile device.
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. 

Banking at Your Fingertips

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

See All Your Accounts

View your MIDFLORIDA accounts and external accounts in one place, making it easier to understand your overall finances. You can see balances across institutions and get a clearer overview of your money.
External Accounts
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. These tools can help you manage how and where your card is used.

Card Controls
Budgeting tools

Budgeting Made Simple

Track spending, set savings goals, and use budgeting tools to help manage your money with more confidence.
Budgeting Tools
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!
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.

Certificates

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

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

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
Dive Deeper

Insights and Tips from Our Blogs

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Relationship Checking FAQs

Discover more details about our Relationship Checking account.

With MIDFLORIDA Relationship Checking, you can earn dividends on qualifying balances and access added perks tied to your account.

No. A joint checking account refers to shared account ownership, while Relationship Checking refers to a checking account with added benefits tied to your MIDFLORIDA banking relationship. 

Relationship Checking offers added perks like dividends on qualifying balances, free standard checks, free cashier’s checks, courtesy transfers from savings, debit card rewards, digital tools, and monthly fee waiver options.

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

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 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 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.