Account Services

Overdraft Transfers

An extra layer of protection for your checking account

Unexpected expenses happen. Overdraft Transfers help you avoid overdrawing your checking account by automatically transferring available funds from another eligible account when you don't have enough money to cover a transaction. 
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Link your accounts

Use funds from an eligible checking or savings account, a line of credit, or both. 
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Your transactions are covered

Overdraft Transfers cover eligible checks, ACH payments, debit card purchases and ATM withdrawals.
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Easy to set up

You can enroll in this service by visiting a branch or by sending a secure message within online banking.
Personal LIne of Credit

Need a little extra flexibility?

A personal line of credit gives you convenient access to extra funds whenever you need them. Borrow what you need, repay it, and use the funds again as credit becomes available. You can also link your line of credit to your checking account for Overdraft Transfers, providing an extra layer of protection when your account balance runs low.
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Direct Deposit

Get Your Pay up to 2 Days Early

If quick access to your money matters, your new checking account gives you a head start. Set up direct deposit through online banking or the mobile app, and you can get paid up to two days early. It’s fast to set up and helps you manage bills, expenses, and savings with more breathing room.
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What's the difference between Overdraft Transfers and Overdraft Protection?

Overdraft Transfers use available funds from a linked checking or savings account, or available credit from a line of credit, to help cover transactions when your checking account balance is low.

Overdraft Protection works differently. Instead of transferring funds from another account, MIDFLORIDA may cover eligible transactions by allowing your checking account balance to go negative. You'll be responsible for bringing your balance back to positive, and applicable fees may apply. 

For additional coverage of everyday debit card purchases and ATM withdrawals eligible checking accounts can be opted in to Overdraft Protection Plus. 

Learn more about Overdraft Protection.

Still Have Questions?

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