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Business Account Fees

Accounts

Free Business Checking

No minimum balance

No fee for the first $30,000 in cash deposits; .1% of the month's total after. $0.15 per transaction over 300 free transactions.

No monthly fee

Business Checking Plus Interest

Fee waived if member maintains an average daily balance of $5,000. No fee for the first $40,000 in cash deposits; 0.1% of the month's total after. $0.15 per transaction over 400 free transactions

per month $25.00

Analyzed Checking                                                                                                    

See associated for details

Fee varies

Freedom Business Checking

No fee for the first $20,000 in cash deposits; 0.1% of the month's total after. $0.15 per transaction over 200 free transactions.

per month $15.00

Premier Business Checking

Fee waived if member maintains an average daily balance of $25,000 in account, or at least $75,000 in loans or $50,000 in cumulative deposits. Fee will be deducted from your checking or savings account at our option. $0.15 per transaction over 500 free transactions. No fee for the first $50,000 in cash deposits; 0.1% of the month's total after. 

per month $25.00

Business Money Market Account

Fee waived if member maintains an average daily balance of $10,000 in account, or at least $75,000 in loans or $50,000 in cumulative deposits. Fee will be deducted from your checking or savings account at our option.

per amount $10.00

Business Savings Account

Fee waived if member maintains an average daily balance of $100 in account, or at least $75,000 in loans or $50,000 in cumulative deposits. Fee will be deducted from your checking or savings account at our option.

per month $10.00

Extreme Business Savings                                                                                      

Fee waived if member maintains a daily minimum balance of $50,000.

per month $50.00

Card Services

Cash Advance on Foreign Credit Cards                                                           

per transaction

$5.00

Foreign ATM Transaction                                                                            

(Inquiry, Loan Advance, Transfer, Withdrawal)


per item $2.00

Loan Payment on Foreign Debit/Credit Card                                        

per transaction

$5.00 or 3% of payment, whichever is greater

Proprietary ATM Transaction - MIDFLORIDA                                         

Free

Debit or Credit Card Rush Fee                                                                    

per item $30.00

Deposit Services

Account Closing by Mail                                                                                          

$15.00

Cash Services                                                                                                             

  • Currency Outgoing
  • Rolled Coin Outgoing

 

per $1,000
per $1,000​
$1.00
$1.00​

Cashier's Check to Third Party                                                                              

  • Member Fee
per check

$5.00

Coin Exchange Fee                                                                                                    

  • Non-members
per day

5% of amount

Courtesy Transfer Fee                                                                                            

  • Savings and Checking
  • Loan

per transfer
per transfer

$3.00
$10.00

Deposit Correction Fee                                                                                            

per incident

$5.00

Foreign Check Collection Fee                                                                                 

per item

$35.00

Fund Transfer by Phone                                                                                          
Charged for phone-initiated transfers

per transaction

$5.00

Inactive Fee                                                                                                                 
No account activity for 12 months

per month

$5.00

Insufficient Funds (NSF) Fee

  • Returned Fee - Checks1 and ACH (MIDFLORIDA returned the item for which there were insufficient funds.)
  • Paid (Overdraft) Fee (MIDFLORIDA paid the item for which there were insufficient funds)
    • Checks and ACH
    • ATM/Debit 2
      • First overdraft/mo.
      • Second+ overdrafts/mo.

 

per item




per item

per item
per item​
$30.00




$30.00

$10.00
$30.00​

Negative Balance Fee                                                                                              
charged the sixth day the account is negative more than $30

per day

$5.00

Night Deposit Disposable Bags                                                                             

per item $0.50

Night Deposit Lock Bag                                                                                           

per item $25.00

Night Deposit Zipper Bag                                                                                        

per item $5.00

Paper Statement Fee                                                                                                
Fee can be avoided by signing up and accepting eStatement

per month

$3.00

Reference Letters                                                                                                      

per request

$5.00

Return of Deposit Item                                                                                            

per item

$15.00

Return Mail Fee                                                                                                          

per item $5.00

Statement Copy / Account History                                                                      
Fee for a prior statement copy or a printout of recent transaction history

per copy

$3.00

Stop Payment Order                                                                                                 

per item

$30.00

Temporary Checks (4)                                                                                              

per set

$5.00

Online Services

ACH Origination                                                                                                        

  • ACH Return
  • ACH Notification of Change

per item
per item​
$5.00
$2.00

Bill Payment                                                                                                                

per month

Free

Bill Pay Rush Services                                                                                              

  • Expedited (ACH)
  • Overnight (Check)
per item
per item​
$5.00
$20.00​

eStatement                                                                                                                 

per month

Free

Business Online Banking                                                                                        

per month

Free

Business Online Banking Plus                                                                               

per month

$7.00

Treasury Services - Small Business Online Banking                                        

Free with Premier Business Checking

per month

$15.00

Treasury Services - Corporate Online Banking                                                 

per month

$30.00

Safe Deposit Boxes

The contents in your safe deposit box are safe but, unlike your accounts, they are not insured. Sizes listed are not available at all locations.

3x5                                                                                                                                 
5x5
3x10
5x10
10x10

per year
per year
per year
per year
per year​
$35.00
$40.00
$50.00
$65.00
$100.00​

Drilling                                                                                                                          

per incident

$128.00

Key Deposit                                                                                                                 

per box

$5.00

Key Replacement                                                                                                       

per incident

$32.00

Wire Transfers

Domestic - Incoming per wire

$10.00

Domestic - Outgoing per wire

$20.00

Foreign - Incoming
Free with Premier Business Checking
per wire

$10.00

Foreign - Outgoing per wire

$45.00

Miscellaneous

Legal Processing Fee                                                                                                

per incident

$100.00

Money Order                                                                                                               

per item

$5.00

Retired Accounts

Business Money Market Checking

If average daily balance falls below $1,000                                                               

per month

$10.00

Extreme Business Checking
If average daily balance falls below $50,000; $0.15 per transaction over 750 free transactions

per month

$50.00

First Class Business Savings                                                                                   
If average daily balance falls below $500

per month

$5.00

Non-Profit Checking                                                                                                 
If average daily balance falls below $100

per month

$3.00

Treasury Management Services

For information regarding Treasury Management products and services, please call (352) 291-5995 or email.

Notices & Disclosures 
1 If a paper check is returned for Insufficient Funds, MIDFLORIDA will refund the Returned Fee.
2 If you have Check Advance and the item/transaction is $5 or less, you will not be charged an Overdraft Fee.