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501 NW Grand Boulevard
Oklahoma City, OK 73118

Midfirst Bank is a privately held bank offering a range of personal, commercial, trust, and mortgage banking products and services.

On its personal banking side, Midfirst offers checking, savings, money market, and certificate of deposit accounts. Its checking options range from a reward account with performance requirements earning higher interest to a simple student account. The bank has a children’s savings account and program along with a basic savings account and features a money market account that increases earning power while maintaining liquidity. Midfirst also makes both fixed and callable CDs available to customers.

Midfirst Bank online banking features a sophisticated Internet platform from which customers can manage their accounts. The bank also has a mobile app that provides remote deposit capabilities as well as account management functions.

Midfirst Bank was originally established as the Oklahoma National Bank & Trust Company of Chickasha in 1911. In 1997 the bank changed its name to Midfirst Bank and three years later moved its headquarters to Oklahoma City, Oklahoma, where they remain today. The bank operates multiple branch locations across several states.

Related Posts

Top 7-Year CD Rates at MidFirst Bank in Arizona & Oklahoma - 8/30/2013

MidFirst Bank made a big increase in its 7-year CD and IRA CD rates. The Fixed 7-year CD APY increased from 2.00% to 2.50%. MidFirst also has callable CDs, and the 7-year callable CD with a 6-month lo ...

Remembering Check Fee Lawsuit

Midfirst Bank was caught rearranging purchases so they could charge more fees to accounts that were overdrawn and were sued and lost in court. It seems that they scammed people out of millions of dollars in check fees. Remember that before you do business with Midfirst Bank. I think overdraft fees are fair but rearranging the accounting to collect more fees is just bad business and should be treated as a criminal act.

WOW- Exceptional Service!

My wife and I recently opened 2 new accounts with MidFirst Bank. We went into the one at Yale & 91st Street in Tulsa. We had the pleasure of dealing with a young man named Kevin. He asked me several open ended questions to understand exactly what fit me best. I was impressed at the beginning, before he knew anything about me, he told my wife (Gayle) and I that he would be asking me some questions to ensure that he recommended the right products & services to fit our needs. I was quite taken back. Coming from the Bank of America- located across the street- to this... I was impressed from the get-go. Kevin made recommendations to us and then explained why he was recommending a certain account to us, based on the answers to his questions.

Kevin explained how MidFirst was a privately owned bank- based out of Oklahoma City. I really liked that. He stated that our money stays in our community instead of going "God knows where"... Did I mention he was funny to?


We opened up 2 checking accounts and moved a considerable amount of our assets to MidFirst.


I highly recommend MidFirst & Kevin to anyone who wants a small bank feel but with the bells and whistles of a big bank. You can even make a deposit by taking a picture of it on my android!


Thank you so much MidFirst & Kevin- great job!


Dr. & Mrs. B.

Few Services, And Even Worse Customer Services.

I switched to Midfirst Bank in 2009 when they first opened in the Phoenix area, in part motivated by the "move your bank" movement encouraging consumers to move away from large banks that many perceive as being part of America's financial recession.  This was, by far, jumping out of the frying pan and into the fire.  There is little about Midfirst Bank to recommend it.

First, from the outset, it was clear that its services were inferior to large banks (such as my prior bank, Bank of America, and Chase, Wells Fargo, etc.).  The worldwide availability of ATMs was a plus, for a starter.  Bank of America gave immediate credit for cash deposits at its ATMs.  Midfirst did not (even if the cash deposits were made at a teller).  Midfirst's online banking is clunky and often confusing, far inferior to the online services of BofA.  Moreover, I had multiple accounts at Midfirst, and was surprised to learn that they were not linked.  Even when linked, the service charge for covering an overdraft in one account was quite pricey (something like ten or fifteen dollars, compared to less than five at BofA). 

I believed, however, that Midfirst's customer service -- a "smaller, friendlier" bank, would make up for its more limited services.  I was incorrect.  Midfirst treats its customer with a considerably greater disdain than larger banks, at least worse than Bank of America. 

Here's the clincher.  On December 14, 2010, my health insurance premium was automatically deducted from my account.  (I work for a small employer who cannot procure reasonably priced insurance for its employees due to qualification issues.)  In the midst of a huge project at work, I had forgotten about this debit, and did not have enough money to cover the relatively sizable deduction.  Thus, the premium was "bounced," as were several very small purchases on my debit card.  Ironically, the next day, my decent-sized paycheck (approx. $2400) was direct deposited into my account.

Several days later, I received an unsigned letter summarily closing my checking account, effective 12/21/10.  They would freeze my account until 12/28/10, at which point the remaining balance would be returned to me.  In short, my funds were frozen for Christmas.  Ebenezer Scrooge could not have been prouder!

Of course, you can berate me for having insufficient funds in my account.  However, here's the deal:  this WOULD NEVER HAVE HAPPENED AT BANK OF AMERICA.  I check my accounts daily.  At Bank of America, automatic withdrawals appear on your online statement on the day of withdrawal, annotated as "In Process."  They actually post later that day.  Thus, with Bank of America, I would have had until 7:00 p.m. that evening to make a deposit to cover the insurance payment.  No bounced payments, nothing.  Put simply, I was the victim of Midfirst's inferior banking services.

In addition, I had opted for "email" and online notifications only, waiving any hard copies of statements.  Midfirst froze my online access to my account as of 12/21.  I cannot obtain any online access to my account , nor have they provided any written statements.  Doing taxes this year sure has been fun!  Moreover, I had scheduled several "online bill pays" for early January 2011.  Even though Midfirst had unilaterally closed the account, and had blocked my online access, they sent out the checks in January (over a week after my account was supposedly closed).

I am not an irresponsble.  I work very hard, and earn a good living.  I have a disabled son, which is a financial strain on our family, even with insurance.  However, Midfirst Bank's inferior services and impersonal customer service only aggravated this problem.  Fortunately, I did not close my Bank of America account completelly, and I have happily returned to them. 

The only good thing I can say about Midfirst is that thier weekend hours were convenient.

If you are looking for a good, small bank, avoid Midfirst at all costs.  It has none of the friendliness of a small bank, and few of the services of a large bank.

Horrible Experience With Midfirst!

For weeks I've been searching for answers from MidFirst. I had to file a complaint with the Office of the Comptroller of the Currency. MidFirst suddenly disabled my account.  I called to find out why and they said they would not tell me over the phone.  Well, I live in another state and cannot walk into a branch.  They said they sent a letter of explaination which I did not receive.  I asked if they had sent it to the address which I had updated on-line a year earlier.  No... they sent it to my old address. Weeks later I finally recieved the missing letter, but it provides little info. It just says that they're excercising their rights to close my account pursuant to paragraph 11 of the Policy Disclosure which is a long paragraph that basically says they can, at their discretion, without prior notice, refuse to accept any deposits or cash checks. Mind you, this account was NEVER overdrawn or had any issue that I had been informed about. The money deposited was always reported to both the state and federal governments. I absolutely cannot imagine what has prompted this bank action. I'm 61 years old and in all my years have never encountered such a strange scenario. I've sent a notarized letter requesting my funds and am waiting to receive them. I also requested a final statement so I can see if there had been any unauthorized transactions. Since I conducted all business on-line and that access was cut off, I can't see if there were unauthorized transactions and the bank says they will not tell me over the phone. Seriously unbelievable.



Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 MidFirst Bank had $88.22 million in non-current loans and owned real-estate with $1.21 billion in equity and loan loss allowances on hand to cover it. This gives MidFirst Bank a Texas Ratio of 7.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for MidFirst Bank decreased dramatically from 32.97% as of June 30, 2013 to 7.31% as of June 30, 2014, resulting in a positive change of 77.84%.This indicates that the balance sheet and financial strength for MidFirst Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, MidFirst Bank has increased its total deposits by $134.46 million, resulting in 2.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth MidFirst Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. MidFirst Bank has $9.24 billion in assets with $1.21 billion in equity, resulting in a capitalization level of 13.06%, which is excellent.

Institution Statistics

FDIC Certificate #4063
Year Established1911
Primary RegulatorOCC
Assets and Liabilities
Assets$9.24 billion
Loans$7.55 billion
Deposits$5.77 billion
Equity Capital$1.13 billion
Loan Loss Allowance$79.03 million
Unbacked Noncurrent Loans$41.14 million
Real Estate Owned$47.07 million
Historic Data - June 2013
Assets$9.68 billion
Equity Capital$1.22 billion
Loan Loss Allowance$92.07 million
Unbacked Noncurrent Loans$41.14 million
Real Estate Owned$64.74 million
Profit Margin - Quarterly
Return on Assets2.45%
Return on Equity20.4%
Interest Income$209.00 million

Always verify rates and promotions with the bank or credit union. We are not MidFirst Bank, we are a rate comparison website and can not provide official rates or promotions.

MidFirst Bank Savings Account Rates

0.18%$10k-iSave Kids Club
0.08%$10k-Performance Savings

MidFirst Bank Money Market Rates

0.20%$25k-Titanium Money Market Savings

MidFirst Bank Checking Account Rates

1.20%--eChecking - Gold Tier
0.80%--eChecking - Silver Tier
0.40%--eChecking - Bronze Tier
0.08%$20k-M+ Account
0.08%$20k-M+ Privilege
0.01%--eChecking - Base Tier

MidFirst Bank CD Rates

2.90%$1k-120 Month Fixed Rate CD
2.45%$5k$500k84 Month 2 year lock Callable CD
2.45%$5k$500k84 Month 1 year lock Callable CD
2.45%$5k$500k84 Month 6 month lock Callable CD
2.40%$500$500k84 Month Fixed Rate CD
1.95%$5k$500k60 Month 1 year lock Callable CD
1.95%$5k$500k60 Month 2 year lock Callable CD
1.95%$5k$500k60 Month 6 month lock Callable CD
1.90%$500$500k60 Month Fixed Rate CD
1.40%$500$500k48 Month Fixed Rate CD
1.00%$5k$500k36 Month 1 year lock Callable CD
1.00%$5k-33 Month CD special
0.95%$500$500k36 Month Fixed Rate CD
0.70%$500-30 Month Fixed Rate CD
0.60%$500$500k24 Month Fixed Rate CD
0.55%$5k$500k24 Month 6 month lock Callable CD
0.55%$5k$500k24 Month 3 month lock Callable CD
0.50%$5k-13 Month Fixed Rate CD Special
0.45%$500$500k18 Month Fixed Rate CD
0.35%$500$500k12 Month Fixed Rate CD
0.30%$1k$500k182 Day Fixed Rate CD
0.15%$1k$500k91 Day Fixed Rate CD

MidFirst Bank IRA Rates

2.90%$1k-120 Month IRA
2.40%$500-84 Month IRA
1.90%$500-60 Month IRA
1.40%$500-48 Month IRA
1.00%$5k-33 Month IRA Special
0.95%$500-36 Month IRA
0.70%$500-30 Month IRA
0.60%$500-24 Month IRA
0.50%$5k-13 Month IRA Special
0.45%$500-18 Month IRA
0.35%$500-12 Month IRA
0.30%$1k-182 Day IRA
0.15%$1k-91 Day IRA

MidFirst Bank has 80 locations. Click to view all MidFirst Bank locations.