Home › MIDFLORIDA Credit Union

MIDFLORIDA Credit Union: up to $400 bonus

Free Checking · Checking

AI summary Open Free Checking and get $2,000+ (or $4,000+) in direct deposits plus 20 (or 40) debit purchases within 75 days.

Up to $400Advertised bonus
$400Estimated net bonus
$0Account feesno monthly fee stated
90 daysHold period
Not statedEnds

Janet read the fine print. By her math, no fees come out of this one.

Steps

  1. Open Free Checking
  2. Get $2,000+ (or $4,000+) in direct deposits plus 20 (or 40) debit purchases within 75 days

Bank's terms

All details from the bank's page
Requirements
Open a new Free Checking account ($50 to open) and accept online banking, eStatements and a debit card. $400: $4,000+ cumulative direct deposits and 40 debit card purchases, all posted within 75 days of opening. $200: $2,000+ cumulative direct deposits and 20 debit card purchases within 75 days. Credit union membership and eligibility requirements apply.
Account fees
Account fees: $0 (the bank states no monthly fee). Counted over 90 days (hold period, 90 days).
Estimated net bonus
Estimated net bonus $400 ($400 minus $0 fees)
Hold period
The account must stay open and unrestricted at least 90 days, and the bonus is paid within 90 days of opening. For the estimate: 90 days (keep open and unrestricted at least 90 days; paid within 90 days).
Estimated effective yield
No deposit has to stay in the account, so there is no estimated effective yield; the hold is how long the account must stay open.
Direct deposit
Required ($2,000+ or $4,000+ cumulative)
Deposit / balance
$50 opening deposit
Time to complete
75 days (as stated)
Payout
Within 90 days of account opening
Keep open / early close
Account must remain open and unrestricted at least 90 days to qualify.
Eligible states
not stated
Lookback rule
Past MIDFLORIDA checking account holders and previous recipients of checking incentives are not eligible. One incentive per Social Security number.
Deadline
not stated (valid as of Oct 1, 2026 and may be canceled at any time)
State note
Credit union membership eligibility applies; the page does not list states.

Source: www.midflorida.com/current-offers/$400-bonus-free-checking · Last verified Nov 1, 2026, 1:10 AM CT · How we estimate

More: MIDFLORIDA Credit Union · $300 to $499