MidFirst Bank Review 2021: Personalized Service With Plenty of Options

GOBankingRates Score

Our take: Midfirst Bank has locations in Oklahoma and Arizona, in addition to a few branches in Colorado. If you live in one of its service areas and are looking for a full-service bank with a variety of products and stellar customer service, MidFirst is worth considering for your financial needs.
  • Customer Service
  • Breadth of Products
  • Fees
  • Banking Experience
How did we calculate this?


  • Variety of deposit account and loan options
  • Award-winning customer service as recognized by the J.D. Power U.S. Retail Banking Satisfaction Study


  • Limited service area
  • Higher annual percentage yields on deposit accounts available at some online banks

About MidFirst Bank

MidFirst was established in 1982 as MidFirst Private Bank and is headquartered in Oklahoma City. It now ranks as the largest privately owned bank in the U.S., with more than $24 billion in assets. MidFirst positions itself as a community-oriented bank that can compete with larger banks when it comes to products and services, while still managing to provide its customers with personalized service. The bank has more than 70 branches located across Oklahoma and Arizona and in Denver.

MidFirst Bank Products

MidFirst Bank has a full suite of banking products, including checking, savings and money market accounts, IRAs, certificates of deposit, credit cards, loans and investment products. Here’s a quick look at what MidFirst has to offer:

Product Key Details
Checking Accounts
  • Interest-bearing options available
  • No monthly service fees on some accounts
  • $100 minimum to open
Savings Accounts
  • 2 account options: Performance Savings and iSave for children 17 and younger
  • $25 or $100 minimum deposit
  • Low or no monthly service fee
  • 0.10% APY for iSave, 0.05% for Performance Savings
Money Market Accounts
  • Tiered interest rates
  • $100 minimum opening deposit
Certificates of Deposit
  • $1,000-$5,000 minimum to open
  • Interest compounded daily
  • Terms from 91 days to 10 years
Individual Retirement Accounts
  • No annual service fee
  • Terms from 91 days to 10 years
  • Minimum opening balance of $1,000
Credit Cards
  • Rewards cards with no annual fee
  • Platinum cards with no annual fee
  • Secured cards with $19 annual fee
  • Mortgage loans
  • Home equity loans and lines of credit
  • Personal loans
  • Vehicle loans

MidFirst Bank Checking Accounts Review

MidFirst offers five checking account options: LiveFree Checking, eChecking, M Checking, M+ Checking and Go! Checking. With LiveFree, you have the option to go paperless and avoid monthly fees. Go! Checking is for younger customers up to 24 years old and carries no monthly service charge. Here’s more.


  • Two interest-bearing options: M+ and eChecking
  • Two free checking options: LiveFree and Go! Checking
  • $100 minimum to open except for Go! Checking, which has a $25 minimum
  • 0.01%-0.60% APY, depending on account type and tier


  • Variety of accounts to fit different needs
  • No monthly service fees on some accounts


  • Interest-bearing accounts have monthly service fees of up to $15, but can be waived by meeting balance and direct deposit requirements

MidFirst Bank Savings Accounts Review

MidFirst Bank offers two savings accounts: Performance Savings, which is the basic account, and iSave, which is for younger customers ages 17 and under. Here’s a closer look at both options.


  • Minimum opening deposit of $100 for Performance Savings
  • Minimum opening deposit of $25 for iSave
  • APY of 0.10% for iSave and 0.05% for Performance Savings
  • Interest compounded daily and paid monthly
  • $4 monthly service fee for Performance Savings if average daily balance falls below $250


  • No monthly service fee for iSave
  • MidFirst will match up to $25 per year on iSave accounts that have 12 consecutive monthly deposits


  • Higher savings APYs may be found elsewhere, such as at Ally Bank, which offers 0.50% on all balance tiers

MidFirst Bank Money Market Accounts Review

MidFirst Bank offers two money market accounts: Titanium Money Market and Freedom Money Market. Both offer tiered interest rates depending on your balance. A $10 monthly service charge applies to the Titanium account if your average daily balance falls below $5,000. The Freedom account charges a $15 monthly service fee if your balance falls below $10,000.


  • 0.05%-0.10% APY for Titanium; 0.05%-0.40% APY for Freedom
  • Interest compounded daily
  • $100 minimum opening deposit


  • Higher rates apply to higher balances
  • Unlimited MidFirst ATM and in-person withdrawals


  • Low APYs compared with some other banks
  • Must have balance of at least $75,000 to earn highest APY with Titanium account

MidFirst Bank CD Accounts Review

MidFirst Bank offers a variety of CD rates and terms — from as little as 91 days up to 10 years. You might also qualify for higher relationship rates, depending on if the CD is part of an eligible relationship package.


  • Two CD options: Relationship and Callable Relationship
    • Relationship CD terms range from 91 days to 10 years
    • Callable Relationship CD terms range from two to seven years
  • 0.10%-0.70% APY
  • $1,000 minimum to open a Relationship CD
  • $5,000 minimum to open a Callable Relationship CD


  • Variety of CD terms and rates
  • Interest compounded daily


  • $1,000-$5,000 minimum deposit may be too steep for some

Banking Experience

Now that you know more about the products MidFirst Bank offers, it’s time to find out about the actual banking experience. Here’s what you need to know about things like customer service and convenience.

Customer Service

To get in touch with a customer service representative, call 888-643-3477. Assistance is available Monday through Friday from 7 a.m. to 9 p.m. CST, Saturday from 8 a.m. to 6 p.m. CST, and Sunday from 12 p.m. to 4 p.m. CST. You can also access 24/7 automated customer service by calling the same number.

Branch Availability

Most of MidFirst’s 70-plus branches are concentrated in Oklahoma and Arizona. You’ll find more than 50 locations throughout Oklahoma and over 20 locations in Arizona. There are also three banking centers in Denver.

Mobile and Digital Experience

With the MidFirst Bank mobile app, you can complete banking tasks such as withdrawing cash without your card from any MidFirst ATM and managing digital receipts. The app has a rating of 4.8 out of 5 on the App Store and a 4.1 rating on Google Play.

MidFirst keeps your information safe by requiring secure authentication checks and encryption technology for all communications.

Convenience and Ease of Use

If you’re in Oklahoma or Arizona, you can take advantage of in-person banking at MidFirst because that’s where you’ll find most of the branches. MidFirst also has about 100 fee-free ATMs, as well as 24/7 telephone, online and mobile banking.

How To Open a MidFirst Bank Account

You can open a MidFirst Bank account online, by visiting a branch or by calling customer service at 888-643-3477. However you decide to do it, you’ll need the following information:

  • Social Security number
  • Driver’s license
  • Physical address
  • Account and routing numbers of your existing bank to make an opening deposit

Key Information

Customer service number: 888-643-3477

Routing numbers: 

  • Oklahoma and Arizona: 303087995
  • Colorado: 102089929

MidFirst Bank Fees

Like all banks, MidFirst charges fees for various services and activities. Here’s a quick look at some of the more common fees you might encounter:

  • Monthly maintenance: $0-$15, depending on account
  • Overdraft: $34
  • Extended overdraft: $25
  • Domestic wire transfer: $12 incoming, $25 outgoing
  • International wire transfer: $17 incoming, $45 outgoing
  • Money order: $5
  • Official check: $8

MidFirst Bank vs. Competitors

It’s always helpful to see how a bank measures up to its competition. Here’s a look at MidFirst vs. three competing banks.

Best For
MidFirst Bank Array of checking account options, including student checking
Arvest Bank Award-winning mobile banking app
Bank of Oklahoma Low minimum deposits to open checking accounts
BancFirst Large number of locations across Oklahoma

MidFirst Bank vs. Arvest Bank

Arvest Bank’s mobile banking app earned J.D. Power certification in 2020 for navigation, speed, clarity, services and appearance, whereas MidFirst’s app gets mixed reviews from users. However, MidFirst’s checking account options include a student checking account, which Arvest doesn’t offer.

MidFirst Bank vs. Bank of Oklahoma

Bank of Oklahoma offers checking accounts with a low minimum opening deposit of $50, while all but one of MidFirst’s checking accounts require a minimum deposit of $100. That one account, however, is Go! Checking, which is available for younger customers up to 24 years old. Bank of Oklahoma’s student checking option is only available to those under 18.

MidFirst Bank vs. BancFirst

BancFirst is more convenient for customers who prefer banking in person because it has more than 95 locations across Oklahoma — nearly twice as many as MidFirst. But Midfirst gets the nod for its customer service, having received the highest-ranking customer satisfaction award for 2018 and 2019 in the Southwest region in the J.D. Power U.S. Retail Banking Satisfaction Study.

Is MidFirst Bank Good?

MidFirst Bank is great for those looking for a bank that offers a full suite of banking products and services, including multiple checking account options. You might be able to find a bank that pays higher APYs on checking, savings and money market accounts, but MidFirst is still worth a look if you live in its service area and value convenience and excellent customer service. If you’re convinced that MidFirst is right for you, consider opening an account.

Editor’s Favorite

MidFirst Bank offers a variety of checking account options, including two that are free and two that are interest-bearing, making it easy for customers to find a good fit. Plus, one of the free options, Go! Checking, is specifically designed for students 24 and younger and only requires a minimum opening deposit of $25.

MidFirst Bank FAQ

Here are the answers to some commonly asked questions about MidFirst Bank.
  • Is there fraud protection on MidFirst debit and credit cards?
    • Yes, MidFirst offers 24/7 fraud protection on both types of cards.
  • How do I design my MidFirst debit card?
  • How can I change my MidFirst debit card PIN?
    • Call 855-858-1035 if you know your current PIN. If not, call 888-643-3477 to request a PIN mailer or to find out the location of the nearest banking center where you can get assistance.
  • How can I apply for a MidFirst bank loan or credit card?
  • Does MidFirst Bank offer free money for signing up for an account?
    • MidFirst doesn't currently offer free money for a new account, though it occasionally runs promotions. One of its most recent promotions offered a $250 bonus for opening a checking account and completing two qualifying actions, such as a minimum direct deposit of $250 and 10 qualifying debit card transactions.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 28, 2021.

This content is not provided by MidFirst Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by MidFirst Bank.

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About the Author

Cynthia Measom is a personal finance writer and editor with over 12 years of collective experience. Her articles have been featured in MSN, Aol, Yahoo Finance, INSIDER, Houston Chronicle, The Seattle Times and The Network Journal. She attended the University of Texas at Austin and earned a Bachelor of Arts degree in English.

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