MidFirst Bank

Overview / Commentary
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.

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.

Posted by: |

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.

Worst Bank

Posted by: |

If I could I would give this bank a negative 5-star review.

Not only does this bank have horrible customer service, they probably treat their employees the same way. Every few weeks I see a new bank teller at my branch. When I ask the new person about the former employee the answer is always the same: "They quit" or "They found a better job at such and such place."

I recently had a run in with the manager at my branch bank. I've dealt with him on several occasions and he knows who I am. A month ago, I deposited a government check into my account. When I asked him for my current balance, he suddenly demanded to see my driver's license. Obviously, he had no problem taking my money. I refused his request and left the bank. I wrote a letter to the regional manager detailing the entire incident. She never had the decency to send a reply.

So now, I keep a tiny balance in this account, primarily to be an accounting nuisance to them until I can find a bank that knows how to treat customers with respect.

Best Bank Ever

Posted by: |

Wow. What a great bank .I bank at midfirst on 75th and cactus .They are the best team I've ever worked with.The manager Vince great guy!! I can't sat enough of what a great team they are. Always ready to help. Friendly and very professional .They make you feel like family .There always happy to see you come in.Vince runs a great bank .He goes the extra mile to help you.



Health Grade Components

FDIC Certificate #4063
Year Established1911
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.23%
Return on Equity - YTD23.08%
Annual Interest Income$586.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$33.08B$31.05B
LoansQ2 2022vs Q2 2021$26.47B$25.23B
DepositsQ2 2022vs Q2 2021$20.75B$20.57B
Equity CapitalQ2 2022vs Q2 2021$3.34B$2.60B
Loan Loss AllowanceQ2 2022vs Q2 2021$170.6MM$199.4MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$33.1MM$61.2MM
Real Estate OwnedQ2 2022vs Q2 2021$7.0MM$15.0MM
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Always verify rates and promotions with the bank or credit union. We are not MidFirst Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

MidFirst Bank Savings Account Rates

3.05%*$1m*-Summit Savings Special
OTHER TIERS: 3.00% $5k - $1m
0.75%--iSave Savings
0.45%--Company Club Savings
0.35%--Performance Savings
0.35%-$5kSummit Savings
0.35%--Sooner Savings
0.35%--Broncho Savings

MidFirst Bank Money Market Rates

0.60%*$500k*-Titanium Money Market Savings
OTHER TIERS: 0.20% Up to $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $75k | 0.45% $75k - $250k | 0.50% $250k - $500k

MidFirst Bank Checking Account Rates

OTHER TIERS: 0.01% $20k+
0.30%*$50k*-M+ Checking
OTHER TIERS: 0.15% Up to $20k | 0.25% $20k - $50k

MidFirst Bank CD Rates

4.00%$1k$500k12 Month Relationship CD
4.00%$5k$500k15 Month Relationship CD Special
4.00%$1k$500kBusiness 12 Month Fixed Rate CD
4.00%$1k$250kBusiness 12 Month Fixed Rate CD - Online
4.00%$5k$500kBusiness 15 Month Fixed Rate CD Special
4.00%$5k$250kBusiness 15 Month Fixed Rate CD Special - Online
4.00%$1k$250k12 Month Relationship CD - Online
4.00%$5k$250k15 Month Relationship CD Special - Online
3.25%$5k$500k9 Month Relationship CD Special
3.25%$5k$500kBusiness 9 Month Fixed Rate CD Special
3.25%$5k$250kBusiness 9 Month Fixed Rate CD Special - Online
3.25%$5k$250k9 Month Relationship CD Special - Online
1.40%$1k$500k120 Month Relationship CD
1.40%$1k$500kBusiness 120 Month Fixed Rate CD
1.40%$1k$250kBusiness 120 Month Fixed Rate CD - Online
1.40%$1k$250k120 Month Relationship CD - Online
1.30%$5k$500k84 Month 2 year lock Callable CD
1.30%$5k$500k84 Month 1 year lock Callable CD
1.30%$5k$500k84 Month 6 month lock Callable CD
1.30%$1k$500k84 Month Relationship CD
1.30%$5k$500k84 Month 3 year lock Callable CD
1.30%$5k$500kBusiness 84 Month 1 year lock Callable CD
1.30%$5k$500kBusiness 84 Month 2 year lock Callable CD
1.30%$5k$500kBusiness 84 Month 3 year lock Callable CD
1.30%$5k$500kBusiness 84 Month 6 month lock Callable CD
1.30%$1k$500kBusiness 84 Month Fixed Rate CD
1.30%$1k$250kBusiness 84 Month Fixed Rate CD - Online
1.30%$1k$250k84 Month Relationship CD - Online
1.20%$5k$500k60 Month 1 year lock Callable CD
1.20%$5k$500k60 Month 2 year lock Callable CD
1.20%$5k$500k60 Month 6 month lock Callable CD
1.20%$1k$500k60 Month Relationship CD
1.20%$5k$500k60 Month 3 year lock Callable CD
1.20%$5k$500kBusiness 60 Month 1 year lock Callable CD
1.20%$5k$500kBusiness 60 Month 2 year lock Callable CD
1.20%$5k$500kBusiness 60 Month 3 year lock Callable CD
1.20%$5k$500kBusiness 60 Month 6 month lock Callable CD
1.20%$1k$500kBusiness 60 Month Fixed Rate CD
1.20%$1k$250kBusiness 60 Month Fixed Rate CD - Online
1.20%$1k$250k60 Month Relationship CD - Online
1.10%$1k$500k48 Month Relationship CD
1.10%$1k$500kBusiness 48 Month Fixed Rate CD
1.10%$1k$250kBusiness 48 Month Fixed Rate CD - Online
1.10%$1k$250k48 Month Relationship CD - Online
1.00%$5k$500k36 Month 1 year lock Callable CD
1.00%$1k$500k36 Month Relationship CD
1.00%$5k$500kBusiness 36 Month 1 year lock Callable CD
1.00%$1k$500kBusiness 36 Month Fixed Rate CD
1.00%$1k$250kBusiness 36 Month Fixed Rate CD - Online
1.00%$1k$250k36 Month Relationship CD - Online
0.95%$5k$500k24 Month 6 month lock Callable CD
0.95%$5k$500k24 Month 3 month lock Callable CD
0.95%$1k$500k24 Month Relationship CD
0.95%$5k$500k30 Month Relationship CD
0.95%$5k$500k24 Month 1 year lock Callable CD
0.95%$5k$500kBusiness 24 Month 3 month lock Callable CD
0.95%$5k$500kBusiness 24 Month 6 month lock Callable CD
0.95%$5k$500kBusiness 24 Month 1 year lock Callable CD
0.95%$5k$500kBusiness 30 Month Fixed Rate CD
0.95%$1k$500kBusiness 24 Month Fixed Rate CD
0.95%$1k$250kBusiness 24 Month Fixed Rate CD - Online
0.95%$5k$250kBusiness 30 Month Fixed Rate CD - Online
0.95%$1k$250k24 Month Relationship CD - Online
0.95%$5k$250k30 Month Relationship CD - Online
0.90%$1k$500k18 Month Relationship CD
0.90%$1k$500kBusiness 18 Month Fixed Rate CD
0.90%$1k$250kBusiness 18 Month Fixed Rate CD - Online
0.90%$1k$250k18 Month Relationship CD - Online
0.40%$1k$500k182 Day Relationship CD
0.40%$1k$500kBusiness 182 Day Fixed Rate CD
0.40%$1k$250kBusiness 182 Day Fixed Rate CD - Online
0.40%$1k$250k182 Day Relationship CD - Online
0.30%$1k$500k91 Day Relationship CD
0.30%$1k$500kBusiness 91 Day Fixed Rate CD
0.30%$1k$250kBusiness 91 Day Fixed Rate CD - Online
0.30%$1k$250k91 Day Relationship CD - Online

MidFirst Bank IRA Rates

4.00%$1k$500k12 Month Relationship IRA
4.00%$5k-15 Month Relationship IRA Special
3.25%$5k$500k9 Month Relationship IRA Special
1.40%$1k$500k120 Month Relationship IRA
1.30%$1k$500k84 Month Relationship IRA
1.20%$1k$500k60 Month Relationship IRA
1.10%$1k$500k48 Month Relationship IRA
1.00%$1k$500k36 Month Relationship IRA
0.95%$1k$500k24 Month Relationship IRA
0.95%$5k$500k30 Month Relationship IRA
0.90%$1k$500k18 Month Relationship IRA
0.40%$1k$500k182 Day Relationship IRA
0.30%$1k$500k91 Day Relationship IRA


Oklahoma City Area

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