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Get $200 cash with Free Checking

Shopping for a better bank? Make the switch to MIDFLORIDA and get more out of your banking!
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Find all the tools you need without the fees

For a limited time, we’ll give you $200 cash when you open a new Free Checking account (with direct deposit) and get approved for a loan or credit card.1

Bonus! Many of our other checking accounts qualify for $200 cash, too: Relationship, Investor and Debit Card Banking.2

Here's how it works:

  1. Open a Free Checking account and set up direct deposit
  2. Apply and get approved on a loan or credit card
  3. Receive $200 into your new Free Checking account

Open Account

Find a MIDFLORIDA branch.

Free Checking

What you get with a Free Checking account.

No fees or minimums

There's no monthly service fee and no minimum balance to maintain

Digital banking tools

Enjoy quick and easy access to your account, as well as Mobile Deposit and free account alerts

Free rewards

Our debit cards come with free rewards just for using your card.

Open Account

Notices & Disclosures
A $5 deposit is required for membership with MIDFLORIDA. Credit approval required. Offer valid as of December 15, 2020 and may be cancelled without notice. Promotion applies to new Free Checking account. No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%. Anyone who has held a checking account with MIDFLORIDA in the past year will not qualify for the $200 incentive. In addition to opening a new Free Checking account which includes accepting and opening online banking, online bill payment, eStatement, eNotice, direct deposit (cumulative $500 which must post within 45 days of account opening) and a debit card, you must also apply and be approved for a consumer loan. The $200 will be deposited to new Free Checking account after the qualifications have been met and will be reported to the IRS. Minimum to open Free Checking is $50. Other checking products may qualify with restrictions. See associate for details regarding terms and fees.
Freedom Banking accounts do not qualify for $200 incentive. To get the $200 incentive with a Debit Card Banking account, you must receive approval on a loan/credit card, complete 5 debit card purchase transactions and sign up for direct deposit (cumulative $250 for 21 & under, cumulative $500 for 22 & over) which must post within the first 45 days. If you are 21 & under and cannot fulfill the direct deposit requirement, you can qualify for a lesser incentive of $25 by completing 5 debit card purchase transactions within 45 days.