Midflorida makes starting a new savings and checking account easy. Plus there was practically no fee. I only needed $5 to keep in my savings account to open it and $20 to start the checking account. The $20 is still yours to spend, however the $5 must remain in your savings account at all times. Midflorid has great hours and easy transfers. You can transfer money over the phone or online for free and it's very simple! The customer service is excellent I have always had all of my questions answered. Midflorida also provides you with an online account when you open up accounts with them. They provide you with all of the information you need. Online, you can transfer funds to and from your checkings and savings accounts for free. You can also check the balance of your accounts as well as the purchases you have made. This is very useful because if you need to remember how much money you spent on a certain item, you can check online. Midflorida accounts are awesome!