This rating would be for all MidFlorida Credit Unions in the state. Just opened two new accounts (checking and savings) at a newly constructed location that seemed nice. I currently have several banking/credit union institutions whom I do regular business with and like to keep my monies spread out in different locations for practical purposes. Unfortunately, I came to learn that MidFlorida has an internal policy that doesn't allow external banking deposits/transfers quick access to their monies. Even after verifying your external accounts through their system, they place a 10-day HOLD on your monies to which you have no access to. That would be for new accounts under 6 months old, but even after the "probation" period, they still HOLD your money for up to 5 days. As mentioned before, I bank with 5-6 other banks and credit unions, and money transfers generally take 2-3 days and sometimes same day. Needless to say, I will be closing this account soon. In today's economy, people need to have access to their money in a reasonable amount of time. In my opinion, this does not fare well for them to generate new business and do not meet the peoples needs. Oh yea, one final point that HOLD is 10 BUSINESS DAYS which could turn into 2 1/2 weeks in some case before you even see your deposit or have access to it. read more