Find an updated list of MIDFLORIDA Credit Union promotions, bonuses, and offers here.
Update 6/27/25: There’s currently a $400 checking bonus available for a limited time!
MIDFLORIDA Credit Union Promotions Review
MIDFLORIDA Credit Union is a multi-branch credit union that focuses on the Central Florida region. The credit union offers personal and business products and services that serve hundreds of thousands of members.
| Eligibility: Membership in MIDFLORIDA Credit Union is open to those who live, work, worship, or attend school in Brevard, Citrus, Charlotte, DeSoto, Hardee, Glades, Hernando, Hardee, Highlands, Hillsborough, Indian River, Lake, Manatee, Marion, Martin, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Sarasota, Seminole, St. Lucie, Sumter, or Volusia Counties in Florida. See current membership details |
I’ll go over MIDFLORIDA Credit Union offers below.
MIDFLORIDA Credit Union $400 Checking Bonus
- What you’ll get: $400 bonus
- Where it’s available: FL (Bank Locator)
- Direct Deposit Requirement: Yes, $500
- Credit Inquiry: Hard Pull (recent reports of Soft Pull)
- Monthly Fees: None
- Early Account Termination Fee: None
- How to earn it:
- Open a new MIDFLORIDA Credit Union Free Checking account.
- Set Up direct Deposit. Receive a direct deposit of $4,000 or more to your new checking account. Note: cash app transfers don’t qualify.
- Set Up Online Access. Enroll in online banking and eStatement to receive paperless statements. Be sure to log in and accept the disclosures.
- Use Your Debit Card. Pick up a free debit card from any branch (or have one mailed to you) and use it to make 40 purchases. ATM transactions don’t qualify
- After all qualifications have been met, the incentive will be deposited to the new Free Checking account within 75 days of account opening and will be reported to the IRS.
(Limited time offer)
Editor’s Note: Here is an alternative link to the $400 checking bonus offer with an expiration date of 7/6/25.
| KeyBank Checking ($300 bonus) | Chase Total Checking ($300 Bonus) |
| SoFi Checking and Savings Account ($325 Bonus) | |
Fine Print
- Offer valid as of June 25, 2025, and may be canceled at any time.
- MIDFLORIDA Credit Union membership and eligibility requirements apply.
- See associate for details regarding fees and terms.
- Freedom Checking, fiduciary and minor accounts excluded. Other terms and conditions apply.
- To qualify for the $400 incentive, you must open a new Free Checking account with direct deposit ($4,000 cumulative which must post within 60 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 40 debit card purchase transactions which must post within 60 days of account opening.
- To qualify for the $200 incentive, you must open a new Free Checking account with direct deposit ($2,000 cumulative which must post within 60 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 20 debit card purchase transactions which must post within 60 days of account opening. Direct Deposit must be an automated clearing house (ACH) credit of your paycheck, pension or government benefits from your employer or the government; tax refunds, cash transfer app deposits and transfers from another MIDFLORIDA account do not qualify.
- No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%.
- Limit one incentive per Social Security number.
- Past checking account holders and previous recipients of checking account incentives are ineligible.
- After all qualifications have been met, the incentive will be deposited to the new Free Checking account within 75 days of account opening and will be reported to the IRS.
- Minimum to open Free Checking is $50.
MIDFLORIDA Credit Union $300 Business Bonus
- What you’ll get: $300 bonus
- Availability: FL (Bank Locator)
- Direct Deposit Requirement: None
- Credit Inquiry: Hard Pull
- Monthly Fees: $10, avoidable
- Early Termination Fee: $5, six months
- How to earn it:
- Find your nearest MIDFLORIDA branch.
- Business must open a Business Savings account (minimum $100 to open), and open a Business Checking account (Free Business Checking (minimum $100 to open), Premier Business Checking (minimum $500 to open) or Business Checking with Interest (minimum $500 to open)), accept and open Online Banking, eStatement, eNotice, and a debit card
- Must make deposits totaling at least $5,000 in a calendar month for two of the first six months of account opening and complete five transactions (deposits, withdrawals, etc.) within the first 45 days.
(Limited time offer)
| Chase Business Complete Checking® ($300 or $500 Bonus) | Bluevine Business Checking ($300 Bonus) |
| Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| U.S. Bank Business Checking ($500 or $900 Bonus) | |
Fine Print
- Offer valid as of July 1, 2022 and may be canceled at any time without notice. Eligibility and membership requirements for business and business owner(s) apply. To qualify for the $300 incentive, the business must open a Business Savings account (minimum $100 to open), and open a Business Checking account (Free Business Checking (minimum $100 to open), Premier Business Checking (minimum $500 to open) or Business Checking with Interest (minimum $500 to open)), accept and open Online Banking, eStatement, eNotice, and a debit card, and must make deposits totaling at least $5,000 in a calendar month for two of the first six months of account opening and complete five transactions (deposits, withdrawals, etc.) within the first 45 days. No dividends are paid on Free Business Checking and Premier Business Checking. Annual Percentage Yield for Free Business Checking and Premier Business Checking is 0.00%. Annual Percentage Yield for Business Checking with Interest is 0.05% for balances up to $100,000.00, 0.05% to 0.05% for balances of $100,000.01 to $1,000,000.00, and 0.05% for balances $1,000,000.01 and over. Rate may change after account is opened. Any business EIN that has previously received a business checking incentive will not qualify for the $300 incentive. The $300 will be deposited to the new Free Business Checking account after the qualifications have been met, and will be reported to the IRS.
MIDFLORIDA Credit Union $50 Referral Bonus
- What you’ll get: $50 bonus
- Where it’s available: FL
- How to earn it:
- When your friends and family open a new Free Checking account with MIDFLORIDA, you’ll earn $100 for each referral.
- To receive the referral incentive, the prospective member must present the referral code or completed referral card at account opening.
- Incentive will be posted to the referring member’s account after the referred friend opens a checking account (excluding Freedom Banking accounts) and qualifies for the $200 checking incentive within 45 days.
- To qualify for the $200 incentive, you must open a new Free Checking account with direct deposit ($500 cumulative which must post within 60 days of account opening); accept and open online banking, online bill payment, eStatement, and a debit card; and complete 5 debit card purchase transactions in one calendar month (to be completed within the first 60 days of account opening).
(Limited time offer)
| SoFi Checking and Savings Account ($325 Bonus) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $3,000 Cash Bonus), | |
MIDFLORIDA Credit Union $50 Business Referral Bonus
- What you’ll get: $50 bonus
- Where it’s available: FL
- How to earn it:
- To qualify for the referral, new customer must not share household with the referring member.
- You cannot refer your own account, and secondary checking accounts do not qualify for this offer.
- Incentive is paid out to the referring member regardless of type of checking account opened by new customer
- Limit 10 referrals per member, earn up to $500 bonus.
- When it expires: None listed
(Limited time offer)
| Chase Business Complete Checking® ($300 or $500 Bonus) | Bluevine Business Checking ($300 Bonus) |
| Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| U.S. Bank Business Checking ($500 or $900 Bonus) | |
How to Avoid Monthly Fee
- Debit Card Banking: None
- Free Checking: None
- Freedom Banking: $4 monthly fee. Must you complete 20 debit card purchase transactions each month
- Investor Checking: $6 monthly fee. Maintain a $1,000 daily balance.
- Relationship Checking: $12 monthly fee. Maintain a balance of $1,500 or more and maintain a combined balance of $10,000 or more in deposits or loans.
- Absolutely Free Student Checking: None
- Holiday Club: None
- Regular Savings: None
- Money Market: None
- Youth Savings: None
- Extreme Yield: $10 monthly fee. Maintain a $10,000 daily minimum balance.
- Relationship Savings: $12 monthly fee. Maintain at least $10,000 is maintained in deposits
- Free Business Checking: None
- Business Checking with Interest: $25 monthly fee. Maintain a $5,000 average daily balance.
- Freedom Business Checking: $15 monthly fee
- Premier Business Checking: $25 monthly fee. Maintain a $25,000 average daily balance, $50,000 combined average daily balance, or $75,000 in loans.
- Business Savings: $10 monthly fee. Maintain an average daily balance of $100, a $50,000 combined average daily balance, or $75,000 in business loans
- Business Money Market: $15 monthly fee. Maintain a $1,000 average daily balance, $50,000 combined average daily balance, or $75,000 in business loans
- Extreme Business Savings: $50 monthly fee. Maintain a $50,000 daily minimum balance.
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Author’s Verdict
Lastly, MIDFLORIDA Credit Union is a great bank option for new sign-up promotions when become available. Furthermore, they offer a series of online services to help you keep your money and prepare yourself for your financial future!
Additionally, for more current offers, check out our bank bonuses page. Comparatively, MIDFLORIDA Credit Union rates for CDs and Savings with our best rates for Savings and CD accounts.
Furthermore, be sure to check more popular bank promotions include Chase Bank, Bank of America, Citi, Discover Bank, CIT Bank, TD Bank, Huntington Bank, HSBC Bank, Wells Fargo and many more.
Editor Rating
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