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Best Banks & Checking Accounts in Orlando, Florida - May 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 7, 2026

The best checking rates for Orlando, Florida include Midflorida Credit UnionMidflorida Credit Union11411 Lake Underhill Rd, Orlando, FL 32825A+5.0 ★Texas Ratio: 2.45% High Yield Checking at 5.00% APY, FLC BankFLC Bank1000 Legion Pl, Orlando, FL 32801A+5.0 ★Texas Ratio: 1.89% Business Solutions Checking and higher at 1.51% APY, Addition Financial Credit UnionAddition Financial Credit Union1823 N Alafaya Trl, Orlando, FL 32826A+5.0 ★Texas Ratio: 4.12% Benefits Checking Accounts at 1.51% APY, TrustCo BankTrustCo Bank2838 Curry Ford Rd, Orlando, FL 32806A+5.0 ★Texas Ratio: 3.16% Home Town Investment Checking at 1.00% APY, and First Florida Credit UnionFirst Florida Credit Union3724 Edgewater Dr, Orlando, FL 32804 2831A+5.0 ★Texas Ratio: 3.26% Premium Interest Checking at 0.25% APY. Checking account rates as of May 7, 2026 according to verified data from MonitorBankRates.

Orlando has 7 local institutions in our database, with checking rates as high as 5.00% APY from Midflorida Credit Union at 11411 Lake Underhill Rd, Orlando, FL, 32825. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Orlando, Florida. Checking Account Rates Last Updated and Verified: May 7, 2026

Compare Checking Account Rates Today in Orlando, Florida & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd
Orlando, FL 32825
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $10,000.00

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd
Orlando, FL 32825
Business Checking Plus Interest Business
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking and higher Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$1,000,000

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1823 N Alafaya Trl
Orlando, FL 32826
Benefits Checking Accounts
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1823 N Alafaya Trl
Orlando, FL 32826
Benefits Checking Accounts
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking Business
1.14%
$0
View
▼
Rate1.13%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$500,000 - $999,999.99

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1823 N Alafaya Trl
Orlando, FL 32826
Benefits Checking Accounts
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd
Orlando, FL 32806
Home Town Investment Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1823 N Alafaya Trl
Orlando, FL 32826
Benefits Checking Accounts
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$100,000 - $499,999.99

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3724 Edgewater Dr
Orlando, FL 32804 2831
Premium Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd
Orlando, FL 32825
Investor Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3724 Edgewater Dr
Orlando, FL 32804 2831
Premium Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3724 Edgewater Dr
Orlando, FL 32804 2831
Premium Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Business Growth Checking with Interest Tier 5 Business
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Business Growth Checking with Interest Tier 3 Business
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Business Growth Checking with Interest Tier 4 Business
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Student Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Platinum Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1823 N Alafaya Trl
Orlando, FL 32826
Benefits Checking Accounts
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd
Orlando, FL 32825
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $10,000.00

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1823 N Alafaya Trl
Orlando, FL 32826
Benefits Checking Accounts
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1823 N Alafaya Trl
Orlando, FL 32826
Benefits Checking Accounts
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1823 N Alafaya Trl
Orlando, FL 32826
Benefits Checking Accounts
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd
Orlando, FL 32806
Home Town Investment Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3724 Edgewater Dr
Orlando, FL 32804 2831
Premium Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3724 Edgewater Dr
Orlando, FL 32804 2831
Premium Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
3724 Edgewater Dr
Orlando, FL 32804 2831
Premium Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Student Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Platinum Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Premium Rewards Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
High-Yield Checking
5.05%
$0
View
▼
Rate5.05%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Consumer Interest Checking
4.25%
$10,000
View
▼
Rate4.17%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
High-Yield Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Consumer Interest Checking
4.00%
$10,000
View
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Make Waves High Yield Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Platinum Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Premium Rewards Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

First Port City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
Port City Rewards Interest Checking
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
1.06%
$50
View
▼
Rate1.05%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

BROWARD HEALTHCARE
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $25,000.00

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.65%
Rewards Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
Ignite Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd
Orlando, FL 32806
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
1.06%
$50
View
▼
Rate1.05%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $25,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Essential Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Ocala Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Economy Free Pension Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Student Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd
Orlando, FL 32806
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd
Orlando, FL 32825
Business Checking Plus Interest Business
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking and higher Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$1,000,000

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking Business
1.14%
$0
View
▼
Rate1.13%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$500,000 - $999,999.99

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$100,000 - $499,999.99

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Business Growth Checking with Interest Tier 4 Business
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Business Growth Checking with Interest Tier 5 Business
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Business Growth Checking with Interest Tier 3 Business
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Business Growth Checking with Interest Tier 2 Business
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking Less Than Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$24,999

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$25,000 - $99,999.99

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Business Growth Checking with Interest Tier 1 Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
4.25%
$10,000
View
▼
Rate4.17%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
4.00%
$10,000
View
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
3.00%
$10,000
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
2.75%
$10,000
View
▼
Rate2.72%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Business IOTA Checking Business
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
2.50%
$10,000
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
1.65%
$10,000
View
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Business Titanium Checking Business
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking Business
1.40%
$10,000
View
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Orlando, FL Checking Rate Trends

Compare local Orlando, FL checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Florida Checking Trends →
High-Yield Checking — FL Avg
4.464%
▼ 0.172 vs 7 days ago

Florida high-yield checking rates fell 0.172 points over the past 7 days to 4.464% APY.

Free Checking — FL Avg
1.165%
▲ 0.100 vs 7 days ago

Florida free checking rates rose 0.100 points over the past 7 days to 1.165% APY.

As of May 8, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Orlando, Florida directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Orlando, Florida. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in FL.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Orlando, Florida earn interest?

Most traditional local checking accounts in Orlando, Florida earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Orlando, Florida FDIC insured?

Yes. Legitimate banks with branches in Orlando, Florida are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Orlando, Florida

Based on our current data, some of the highest checking account APYs available to residents of Orlando, Florida include:
  • Midflorida Credit Union
    High Yield Checking — 5.00% APY
  • FLC Bank
    Business Solutions Checking and higher — 1.51% APY
  • Addition Financial Credit Union
    Benefits Checking Accounts — 1.51% APY
  • TrustCo Bank
    Home Town Investment Checking — 1.00% APY
  • First Florida Credit Union
    Premium Interest Checking — 0.25% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Orlando, Florida. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 7, 2026

Orlando, Florida Rates & Resources

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