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MIDFLORIDA Credit Union
MIDFLORIDA Credit Union Free Checking $400 Bonus
MIDFLORIDA Credit Union pays you $400 when you open a Free Checking account in Florida, receive a $4,000 direct deposit, and enroll in online banking, eStatements, and a debit card. No monthly fee.
- Bonus amount
- $400
- Time to complete
- ~90 days
- Bonus deposited in
- ~60 days
- Difficulty
- Medium
Requirements
Last verified: Jun 29, 2026
Open an account
Open a new MIDFLORIDA Free Checking account (Florida residents).
Receive a $4,000 direct deposit
Receive a direct deposit of $4,000 or more into the new checking account within 90 days.
Enroll in online banking, eStatements, and a debit card
Enroll in online banking, online bill pay, eStatements, eNotices, and order a debit card to qualify.
Bonus is deposited after all qualifications are met.
Tips & Gotchas
- →Florida residency / MIDFLORIDA membership eligibility is required.
- →The $4,000 direct deposit is larger than most checking bonuses, so plan a qualifying payroll or ACH push.
- →Enroll in online banking, eStatements, eNotices, and a debit card. These are required for the bonus.
Direct Deposit Data Points 17
Community-reported results for what triggers a qualifying direct deposit at MIDFLORIDA Credit Union.
Account Details
Keep the account open and in good standing until the bonus is paid.
Eligibility
New MIDFLORIDA checking customers only.
- Must be eligible for MIDFLORIDA Credit Union membership (Florida residency).
Can You Earn This Bonus Again?
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Do Bank Bonuses Show Up on a 1099-INT?
Yes. Bank bonuses are taxable income. Once you earn $10 or more from a single bank in a calendar year, the bank sends a 1099-INT and you report it as ordinary income on your tax return.
Also see: this month's best bank bonuses and community DD data points.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. Learn more