Who qualifies for the MIDFLORIDA Credit Union $400 bonus?

This bonus is available to new customers only, residents of FL.

How long does it take to earn the MIDFLORIDA Credit Union bonus?

You can complete the requirements in 75 days. After qualifying, the bonus is typically credited within 90 days. Total time from account opening to bonus: approximately 165 days.

What are the requirements for the MIDFLORIDA Credit Union bonus?

Set up direct deposit of any amount. Make 40 debit transactions. Deposit at least $50 within 30 days.

Are there any fees for the MIDFLORIDA Credit Union Free Checking?

No, this account has no monthly maintenance fees and no early closure fee.

Is the MIDFLORIDA Credit Union $400 bonus worth it?

The MIDFLORIDA Credit Union bonus offers $400 in value. With no fees to worry about, you keep the full bonus amount.

BankOffers.app

CheckingEasy

MIDFLORIDA Credit Union $400 Bonus

Free Checking

Expires: March 31, 20261 states

Last verified: January 1, 2026View official bank terms →

Bonus Amount

$400

Apply Now

Direct Deposit

Required

Time to Qualify

75 days

Payout Time

90 days

💡 Quick Answers

Who qualifies?

New customers only. Available in 1 states.

Fastest way to earn

Complete requirements in 75 days. Bonus arrives within 90 days after qualifying.

Key requirements

• Direct deposit required
• 40 debit transactions
• Deposit $50 within 30 days

Fees & gotchas

• No monthly fee ✓
• No early closure fee ✓

Is it worth it?

$400 bonus with no fees to worry about. Full bonus value! Requirements are straightforward—good for bonus beginners.

🧮 Calculate your personalized net value →

✅ How to Qualify

1Open new Free Checking account with $50 minimum deposit
2Set up direct deposit ($4,000 for $400 bonus or $2,000 for $200 bonus)
3Enroll in Online Banking and eStatements
4Make 40 debit card purchases for $400 bonus or 20 for $200 bonus
5Complete all requirements within 75 days of account opening

Bonus Tiers

$2,000 direct deposit + 20 debit purchases$200

$4,000 direct deposit + 40 debit purchases$400

📅 Timeline

Day 1

Open Account

Open a new Free Checking account with $50 minimum deposit

Within 75 days

Set Up Direct Deposit

direct deposit

Within 75 days

Debit Transactions

Make 40 debit purchases

90-90 days after qualifying

Receive Bonus

Bonus credited to your account

💵 Fees & How to Avoid Them

Monthly Fee$0 ✓

Early Closure Fee$0 ✓

✓ No monthly fees or early closure fees!

⚠️ Things to Watch Out For

•New customers only - existing customers do not qualify

❌ You Won't Qualify If...

•You currently have or previously had an account with this bank
•You have any existing account with this bank
•You don't live in: FL

📍 Available States

Field of membership: eligible counties in Florida; join page references 'our 59 counties'.

Ready to Earn $400?

Click below to apply directly on MIDFLORIDA Credit Union's website.

Apply for MIDFLORIDA Credit Union Bonus

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BankOffers.app is not affiliated with MIDFLORIDA Credit Union. Always verify offer details, terms, and conditions directly with the bank before applying. Bank bonuses are typically considered taxable income.