MIDFLORIDA Free Checking: up to $400 bonus

Receive at least $4,000 cumulative qualifying ACH payroll, pension, or government direct deposits within 75 days.

Choose your target

Higher tiers ask for more. Your choice updates the steps, money and timeline.

$200Direct deposits: $2,000 in 75 daysCash to keep: No balance requirement$400Direct deposits: $4,000 in 75 daysCash to keep: No balance requirement

Direct deposits: $4,000 in 75 days
Cash to keep: No balance requirement
Monthly fee: $0
Apply by: No end date stated

Selected target

$400

View offer at MIDFLORIDA Credit Union

Read the bank's terms · Offer terms can change. Confirm current eligibility and terms with the bank before applying.

Your fit

Add your state, direct deposit and cash to check this offer's conditions against your situation.

1 thing to check: Your history with MIDFLORIDA Credit Union

This checks the published conditions only. The bank decides who is approved.

Steps to earn

Complete all 4 steps for $400

1
Opening deposit
Open with at least $50.
- $50
2
Direct deposit
Receive at least $4,000 cumulative qualifying ACH payroll, pension, or government direct deposits within 75 days.
- $4,000
- Within 75 days of opening
3
Debit card use
Complete 40 posted debit card purchases within 75 days.
- 40 times
- Within 75 days of opening
4
Condition
Enroll in Online Banking and eStatements and keep the account open for at least 90 days.
- Keep it for 90 days

All tiers

Bonus	Deposit to qualify	Cash to keep	Choose your target
$200	Direct deposits: $2,000 in 75 days	No balance requirement
$400	Direct deposits: $4,000 in 75 days	No balance requirement	Selected

Timeline

When will you open it?

Add a date to put the deadlines on a calendar. Only steps timed from opening get a date.

No application deadline stated
Open the account with $50
Direct deposit
Day 75 after opening
Receive at least $4,000 cumulative qualifying ACH payroll, pension, or government direct deposits within 75 days.
Debit card use
Day 75 after opening
Complete 40 posted debit card purchases within 75 days.
Condition
Enroll in Online Banking and eStatements and keep the account open for at least 90 days.
Bonus paid
Within 90 days of opening, after all requirements are met and the account remains open and unrestricted.

Money and fees

Bonus: $400
Monthly fees: No monthly fee
Bonus after fees, before tax: $400

Cash to keep in the account

No balance to maintain

Direct deposits: $4,000 in 75 days

After the bonus

Account type: Checking
Monthly fee: $0
APY: Not stated in the terms we reviewed
Early closure fee: Not stated in the terms we reviewed
How to open: Not verified

Eligibility

Where it's offered

The bank's terms don't list states. Check availability on the bank's site before applying.

Who can get it

New customers only. If you've had an account with MIDFLORIDA Credit Union, check the look-back period in the terms.

From the bank's terms

Credit union membership eligibility applies. Past MIDFLORIDA checking account holders and previous checking-incentive recipients are ineligible; one bonus per Social Security number. Enroll in Online Banking and eStatements and open a debit card. The account must stay open and unrestricted for at least 90 days.

Terms and sources

Checked against midflorida.com on Oct 9, 2026. Next check by Oct 23, 2026.

midflorida.com/current-offers/$400-bonus-free-checkingCaptured Oct 9, 2026

Read the bank's terms

Offer terms can change. Confirm current eligibility and terms with the bank before applying.