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Business Fee Schedule

Business Account Maintenance and Other Fees

The following table outlines what you need to know about business accounts at MIDFLORIDA.

Free Business Checking
No minimum balance 
$0.25 per transaction over 500 free transactions1
  No monthly fee
Business Checking with Interest
if balance falls below $5,000
$0.25 per transaction over 500 free transactions1
per month $25.00
Freedom Business Checking 
if balance falls below $100 
$0.25 per transaction over 100 free transactions1
per month $25.00
Business Money Market
No minimum balance
  No monthly fee
Business Savings
if balance falls below $100 2
per month $10.00
Extreme Business Savings
if daily minimum balance falls below $50,000
per month $50.00
Non-Profit Checking
if balance falls below $100
per month $3.00
Non-Profit Savings
No minimum balance
  No monthly fee
Account Closing By Mail   $15.00
Account Research
One hour minimum
per hour $10.00
Address Locator Fee per incident $5.00
Cash Advance on Foreign Credit Cards per transaction $5.00
Cashier's Check to Third Party - Member Fee per check $5.00
Check Copy Fee per item $2.00
Check Replacement Fee
non-member fee for cashier's check
per check $5.00
Checkbook Balancing Fee per hour $10.00
Coin Exchange / Cash Deposit Fee

per day

per day
5% of amount over $200

5% of amount
Deposit Correction Fee per incident $5.00
eStatement per month Free
Excessive Debit Fee
More than 6 withdrawals per month
 - From Savings or Money Market
- From Extreme Business Savings


per incident

per incident




Fax Machine Usage Fee per request $2.00

Foreign ATM Transaction
(Inquiry, Loan Advance, Transfer, Withdrawal)

per item $2.00
Foreign Check Collection Fee per item $35.00
Fund Transfer by Phone
charged if calling a branch or Help Desk
per transaction $5.00
Garnishment Fee per incident $100.00
Inactive Fee
no activity on account for 12 months
per month $5.00

Insufficient Funds (NSF) Fee
- Returned Fee - Checks 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/Debit3
    - First overdraft/mo.
    - Second+ overdrafts/mo.

per item



per item

per item
per item






Levy Fee per incident $100.00
Loan Payment on Foreign Debit/Credit Card per transaction $5.00
or 3% of payment, whichever is greater
Membership Cancellation Fee
charged if closed within 6 months
Money Order per item $3.00
Negative Balance Fee
charged the sixth day the account is negative
per day $5.00
Night Deposit Lock Bag per item $25.00
Night Deposit Zipper Bag per item $5.00
Night Deposit Disposable Bags per item $0.50
Notary Fee - Non-members per visit $5.00
Online Banking per month Free
Online Bill Payment per month Free
Online Bill Pay Rush Services
Expedited (ACH)
Overnight (Check)

per item
per item

Courtesy Transfer Fee
- Savings and Checking
- Loan

per transfer
per transfer

Paper Statement Fee4 per month $2.00
Phone Inquiry Fee
charged if calling a branch or Help Desk
per call $1.00
Photo Credit Card Fee per item $5.99
Photo Debit Card Fee per item $5.99
Photo of ATM Transaction per photo $60.00
Photocopy Fee per page $0.25
Plastic Card Replacement Fee per item $5.00
Proprietary ATM Transaction - MIDFLORIDA per item FREE
Purchase currency / rolled coin per $100 $2.00
Reference Letters per request $5.00
Remote Deposit Capture 5
Software to process high-volume deposits
per month Free
Return of Deposit Item per item $15.00
Return Mail Fee per item $5.00
Safe Deposit Boxes6
10 x 10
5 x 10
3 x 10
5 x 5
3 x 5

per year
per year
per year
per year
per year

Safe Deposit Box Key Deposit per box $5.00
Safe Deposit Box Key Replacement per incident $32.00
Safe Deposit Box Drilling per incident $128.00
Statement Copy / Account History
fee for a prior statement copy or a printout of recent transaction history
per copy $1.00
Stop Payment Order per item $25.00
Wire Transfer Fee - Domestic per wire outgoing
Wire Transfer Fee - Foreign per wire outgoing


Effective 7/01/2019

Notices & Disclosures
Multiple checks deposited in the same transaction will count as one transaction. Debit card transactions are excluded from transaction limits.
Fee waived if member maintains an average daily balance of $100 in the account, or at least $50,000 in loans or $75,000 in cumulative deposits and/or loans. Fee will be deducted from your checking or savings account at our option.
If you have Check Advance and the item/transaction is $5 or less, you will not be charged an Overdraft Fee.
The Paper Statement Fee can be avoided by signing up and accepting eStatement.
Must meet credit underwriting approval.
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.