Personal Checking


Affordable and Flexible Checking Accounts That Make Sense

The personal checking account that you choose should make sense for the way you live and how you manage your finances. At MIDFLORIDA Credit Union, we have several options to choose from – whether you’re looking for an account with no monthly maintenance fees, one that can earn interest or an account that links your entire banking relationship for additional benefits.

 Classic Value
$50* $100* $100*
$0 $5 $18
(waived if minimum daily balance is at least $10,000, or a minimum daily balance of $25,000 in related accounts)
(earned with minimum daily balance of $1,500)
(based on account balance)
Free Checks No First Order Yes
(non-duplicate Premier style)
  • Additional
  • Unlimited check writing
  • Free check images with statements
  • Unlimited check writing

  • Free cashier's checks
  • Free check images with statements
  • Free standard size safe deposit box rental **
  • Unlimited check writing

*Plus, a $5 deposit is required for membership with MIDFLORIDA Credit Union. **NCUA does not cover safe deposit boxes or their contents

«Click Here for Personal Products & Services Disclosure and Fee Information«

«Click Here for Rate Chart«  

Benefits and Features of Your MIDFLORIDA Credit Union Relationship Your MIDFLORIDA  benefits go far beyond the accounts that you choose. Each of our customers get first-rate customer service and the chance to have online and mobile banking, telephone banking and more. Here are just a few of the features that your banking relationship can give you:

ATM and Debit Cards Your VISA® debit card gives you a convenient way to access your money, and is safer than carrying cash or writing checks. Use it to withdraw cash from an ATM or make purchases anywhere Visa is accepted.

Fee-free ATMs Use your ATM card to withdraw cash with no fee at any MIDFLORIDA or Presto ATM at locations throughout our service areas, including Publix Supermarkets.

Direct Deposit You can have your paycheck or Social Security checks conveniently deposited directly into your account without traveling to the branch or worrying about mail delays.

Live Customer Service To us, personal service means talking to people directly, so when you call MIDFLORIDA during business hours your calls will be answered by one of our employees. No matter which branch you call, there will be someone there that can help and you won’t be lost in an automated system.

Telephone Banking It’s easy, convenient, and just a phone call away. You can bank by phone 24 hours a day, 7 days a week using our Telephone Banking. Just call 855-601-8838 and the automated system will guide you through a simple menu of options. Telephone Banking offers fast access to your accounts and enables you to conduct many transactions using our voice-activated banking system. Check balances and recent activity on your accounts, get information on your loans and transfer funds and do it from wherever you are, even if you’re not near a computer!

Debit Alert Take a stand against fraud and get peace-of-mind. Debit Alert is a fraud protection alert notification program that allows you to receive secure text and/or email messages any time your debit card is used, so you can feel secure in knowing that you won’t be caught off guard by unauthorized transactions. Your carrier’s data and message rates may apply.

Overdraft Protection There’s no longer any need to worry if you couldn’t get to the branch to make that deposit or if you forgot about that automatic withdrawal. When you enroll in our convenient overdraft protection, funds automatically transfer from your savings, money market account or another checking account to cover overdrafts. Fees and transaction limitations apply.

Smart Save® Now you can save even when you spend. When you enroll in the Smart Save® program, any MIDFLORIDA Visa® debit card purchase you make will be rounded up to the next dollar and the difference will be transferred from your checking account to your savings or money market account.

Fast Pay If you have an account with MIDFLORIDA Credit Union with online banking, now sending money to people you know is a snap, no matter where they are in the U.S. or where they bank. No need to set up and link your account through another service. Fast Pay can do it all. Sign up for Fast Pay through Online Banking If you’re already a MIDFLORIDA customer, be sure to take advantage of all of these features. If you haven’t opened up your account yet, stop by any of our branch locations across Florida today.    

Need Assistance?

  • Please do not include confidential and/or personal information in this correspondence.