MIDFLORIDA Free Checking

Open a new MIDFLORIDA Free Checking account and get a $400 bonus. You need to set up direct deposit totaling at least $4,000, enroll in online banking and estatements, and make 40 debit card purchases, all within 75 days, then keep the account open for 90 days to receive the bonus.

Eligibility

How to get the MIDFLORIDA Free Checking bonus

1. Open a new Free Checking account online or at a branch with $50.
2. Set up direct deposit and receive at least $4,000 cumulative within 75 days.
3. Enroll in online banking and estatements and accept disclosures.
4. Make 40 debit card purchases within 75 days.
5. Keep the account open and unrestricted for at least 90 days.

The fine print that matters

• Limit one incentive per social security number.
• Past checking account holders and previous recipients of checking account incentives are ineligible.
• Tax refunds, cash transfer app deposits (Venmo, PayPal, Zelle) and transfers from another MIDFLORIDA account do not qualify as direct deposit.
• ATM transactions don't count toward the 40 debit card purchases.
• Account must remain open and unrestricted for at least 90 days to qualify.
• Bonus is deposited within 90 days of account opening and will be reported to the IRS.
• No dividends are paid on Free Checking; APY is 0.00%.
• Freedom Banking, fiduciary, minor accounts and secondary checking accounts are excluded.
• Offer valid as of July 1, 2026 and may be canceled at any time.

Verification and reports

Confirmed against midflorida.com on Jul 21, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.

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Sources: midflorida.com offer page (checked Jul 21, 2026)