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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

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: April 19, 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, Together Credit UnionTogether Credit Union7007 Sea World Dr, Orlando, FL 32821 8097A+5.0 ★Texas Ratio: 5.65% High Interest Checking at 4.00% APY, Platinum Federal Credit UnionPlatinum Federal Credit Union7041 Grand National Dr Ste 201, Orlando, FL 32819A+5.0 ★Texas Ratio: 1.95% Youth Checking at 2.00% 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, and TrustCo BankTrustCo Bank2838 Curry Ford Rd, Orlando, FL 32806A+5.0 ★Texas Ratio: 3.16% Home Town Investment Checking at 1.00% APY. Checking account rates as of April 19, 2026 according to verified data from MonitorBankRates.

Orlando has 10 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: April 19, 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—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
7007 Sea World Dr
Orlando, FL 32821 8097
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Youth Checking
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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—
UpdatedApr 16, 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—
UpdatedApr 16, 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—
UpdatedApr 16, 2026
Details

No additional details provided.

Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
715 S Goldwyn Ave
Orlando, FL 32805
Select Checking Tier 2
0.90%
$100
View
▼
Rate0.90%
Min Deposit$100
Min Balance—
UpdatedApr 16, 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—
UpdatedApr 16, 2026
Details

No additional details provided.

Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
715 S Goldwyn Ave
Orlando, FL 32805
Select Checking Tier 1
0.65%
$100
View
▼
Rate0.65%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8201 Chancellor Dr
Orlando, FL 32809
Elite Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 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.

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—
UpdatedApr 19, 2026
Details

No additional details provided.

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
12800 Tanja King Blvd
Orlando, FL 32828 7701
Signature Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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.

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
12800 Tanja King Blvd
Orlando, FL 32828 7701
Signature Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8201 Chancellor Dr
Orlando, FL 32809
Preferred Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8201 Chancellor Dr
Orlando, FL 32809
High School Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
12800 Tanja King Blvd
Orlando, FL 32828 7701
Signature Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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.

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—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
7007 Sea World Dr
Orlando, FL 32821 8097
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Youth Checking
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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—
UpdatedApr 16, 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—
UpdatedApr 16, 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—
UpdatedApr 16, 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
▼
Rate0.05%
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
Platinum Rewards Checking
0.05%
$0
View
▼
Rate0.05%
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
Premium Rewards Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

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—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Kasasa Cash Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

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—
UpdatedApr 18, 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—
UpdatedApr 16, 2026
Details

Qualifying balance up to $15,000.00

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—
UpdatedApr 19, 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—
UpdatedApr 18, 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
Platinum Rewards Checking
0.05%
$0
View
▼
Rate0.05%
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
Premium Rewards Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Kasasa Cash Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

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—
UpdatedApr 16, 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—
UpdatedApr 19, 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—
UpdatedApr 19, 2026
Details

Qualifications Required: monthly recurring direct deposit or ACH debit; Qualifying balance up to $5,000.00; Simply maintain a monthly recurring direct deposit or ACH debit to meet monthly Reward requirements.

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Cash Back Checking Standard
0.02%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

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—
UpdatedApr 19, 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.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Grow Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Our checking account pays you! You'll earn five cents for every qualifying swipe of your Grow Visa� debit card.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Grow CashBack Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Our checking account pays you! You'll earn five cents for every qualifying swipe of your Grow Visa� debit card.

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—
UpdatedApr 16, 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.

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—
UpdatedApr 18, 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—
UpdatedApr 18, 2026
Details

No additional details provided.

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—
UpdatedApr 18, 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
Youth Checking
2.00%
$0
View
▼
Rate2.00%
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
▼
Rate0.05%
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
Youth Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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—
UpdatedApr 16, 2026
Details

No additional details provided.

Everence Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Student Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Earn 0.15% APY3 by just opening the account.

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—
UpdatedApr 18, 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
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 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
1.14%
$0
View
▼
Rate1.13%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$500,000 - $999,999.99

Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
715 S Goldwyn Ave
Orlando, FL 32805
Business NOW Checking
0.45%
$100
View
▼
Rate0.45%
Min Deposit$100
Min Balance—
UpdatedApr 16, 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
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 17, 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 5
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$25,000 - $99,999.99

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl
Orlando, FL 32801
Business Solutions Checking Less Than
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$24,999

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
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking
4.25%
$10,000
View
▼
Rate4.17%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking
4.00%
$10,000
View
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking
3.00%
$10,000
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking
2.75%
$10,000
View
▼
Rate2.72%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Business IOTA Checking
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking
2.50%
$10,000
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Business Interest Checking
1.65%
$10,000
View
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Business Titanium Checking
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
4.155%
▼ 0.008 vs 7 days ago

Florida high-yield checking rates fell 0.008 points over the past 7 days to 4.155% APY.

Free Checking — FL Avg
1.221%
▲ 0.013 vs 7 days ago

Florida free checking rates rose 0.013 points over the past 7 days to 1.221% APY.

As of Apr 19, 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
  • Together Credit Union
    High Interest Checking — 4.00% APY
  • Platinum Federal Credit Union
    Youth Checking — 2.00% APY
  • Addition Financial Credit Union
    Benefits Checking Accounts — 1.51% APY
  • TrustCo Bank
    Home Town Investment Checking — 1.00% 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: April 19, 2026

Orlando, Florida Rates & Resources

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