Verified October 2026 · Credit union

MIDFLORIDA Credit Union bonus: up to $400

Everything you need to know to collect it, taken from MIDFLORIDA Credit Union's own terms. Most people miss a bonus over one small rule, like the wrong kind of deposit or closing too early.

Free Checking

Bonus
$400
To qualify
$4,000 in direct deposits within 75 days + 40 debit purchases within 75 days + turn on e-statements
What counts as a direct deposit
Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
Who can open it
Residents of Florida, online. Membership is limited to these counties: Alachua, Baker, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla (FL)
Monthly fee
None
When the bonus is paid
75 to 90 days after you open the account
Keep it open
At least 90 days, or the bank can take the bonus back

Good to know: $4,000 in direct deposits and 40 debit card purchases within 75 days, plus online banking and e-statements. Keep it open 90 days. Not for past MIDFLORIDA checking customers or anyone who got a checking bonus before. $50 to open.

MIDFLORIDA membership is for people who live, work, worship or attend school in 59 of Florida's 67 counties. We show it when your ZIP code is in one of them.

Checked against MIDFLORIDA Credit Union's own terms on October 23, 2026.

Free Checking (lighter $200 version)

Bonus
$200
To qualify
$2,000 in direct deposits within 75 days + 20 debit purchases within 75 days + turn on e-statements
What counts as a direct deposit
Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
Who can open it
Residents of Florida, online. Membership is limited to these counties: Alachua, Baker, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla (FL)
Monthly fee
None
When the bonus is paid
75 to 90 days after you open the account
Keep it open
At least 90 days, or the bank can take the bonus back

Good to know: The same account with half the work: $2,000 in direct deposits and 20 debit card purchases within 75 days. Only one MIDFLORIDA bonus per person.

MIDFLORIDA membership is for people who live, work, worship or attend school in 59 of Florida's 67 counties. We show it when your ZIP code is in one of them.

Checked against MIDFLORIDA Credit Union's own terms on October 23, 2026.

See which of these you can get, and in what order

Four questions about your paycheck. We show your total for free, then Autopilot gives you the exact steps and reminders. See if MIDFLORIDA Credit Union fits my plan

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