MidFirst Bank Reviews

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Most Customer-Unfriendly Bank Ever!

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Midfirst Bank is so customer un-friendly! I have banked here for nearly 20 years and over time, this bank has made it so difficult on the customer. I'm sure someone sitting in an office somewhere thinks they are making things safer and more fraud-resistant overall, but these stupid decisions have made doing business here just ridiculous! The amount of verification needed just to accomplish a simple task is nonsensical. I just called the customer service line to perform a simple task. After giving them my name, date-of-birth, last 4 of social security number, the last for digits of my debit card and even told them the design of my card (stars and stripes), they still would not assist me unless I could tell them the last transactions used by my card. Utterly ridiculous! And I'm not sure what the next 63 verifications would be entailed before they decided if they would help me or not.

And to get a cashier's check takes minimum 15 - 20 minutes. Whereas I can walk into BancFirst or First United and be in and out in less than 5 minutes. One time, a cashier's check took over an hour because the approval needed was from someone at a different branch and they weren't available.

Not to mention the manager at the branch near my house is Cruella incarnate (SW 104th and Penn). I was trying to cash a $3200 dollar check one time - and mind you, there was well over $100,000 in my account. And after standing at the counter for over 10 minutes while they were looking at who knows what, Cruella, with my drivers license in her hand, finally comes over and snidely demands my mother's maiden name and something else I don't remember.

Suffice it to say, Midfirst is NOT customer-centric in the least. I'll gladly close my accounts and take my money to some other bank that will at least pretend they want me there. That bank is NOT Midfirst.

Worst Bank

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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.

Unable To Support Military Lifestyle

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I have been banking with MidFirst for years without issue. After joining the military I have continued to use their service. Upon finding out I would be deployed I called MidFirst to disable my two factor authentication code so I would be able to access my account while away. I was disappointed to find out that there was no solution to this problem that I must have a phone to do the authentication to log onto my account. After I explained my situation, stating I would be far away from any connection the only solution the representative could offer me is that I would “have to find a way to access a phone”. This leaving me with no other option but to close my account with the bank. I am beyond disappointed that MidFirst cannot support our military in a matter so small as logging into a online banking account.

Way Too Difficult To Do Anything On Their Website

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The poorest excuse for a website I've seen. Maybe it was ok in the 90's. There is no search capability. Just a bunch of worthless FAQ documents. I challenge you to find your complete account number and routing number once logged in. Never located it. Never found any information on how to find it in their FAQ. I'm done with them and it was only after a week. The process to open the account is arduous. Funding the account takes days. Long holds once the funding was received. No modern features like Zelle. An automatic transfer to an external account was cancelled with no explanation. They are just horrible. I went back to my "big bank" and had a new account open and funded in 10 minutes.


Posted by: |

I wish I'd paid attention to the negative reviews this bank, and other banks it owns, has before trying to bank with them.
Save yourself the trouble and use a bank with better business ethics.

Terrible Business Ethics

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I have never worked with such difficult, smug, and dishonest people. If you do consider banking here, please please please reconsider. They are the worst bank I have ever worked with. You will never be looked at as a person or a client that they care about. Only a money figure. I am not one to ever leave a review. But, I feel it is my obligation to at least let the general public know that this bank is extremely dishonest.

Worst Bank Ever

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Midfirst Bank is unclear with their policies, has bad customer service, and is misleading with the things they say they offer. Probably the worst bank I've been apart of. All they do is try and find ways to take money from my account.

They Will NOT Protect You

I have been a customer for about 6 years, and my husband has been a customer for several more years than that.
As of today, we will no longer be customers. December 19th we called MidFirst to cancel our debit cards, as my purse, wallet, ID, etc. had been stolen. You canceled the cards immediately and at that time flags should have gone up on our accounts. Fast forward to Monday, January 7th, when I received a call from a MidFirst branch manager to tell me that she had someone in the drive through pretending to act like me, using my ID and stolen checks from a 3rd party to write checks to themselves using my identity. The proof they gave the tellers to pretend they were me was my stolen ID and my stolen MidFirst debit card that YOU cancelled already. Somehow, this individual had already been to several other MidFirst banks to cash checks that day and your tellers allowed it to happen. Thankfully, at this last stop, the branch manager did her job, recovered the stolen ID and debit card, put a FRAUD RESTRICTION on my account and called me. I immediately went into the closest MidFirst bank we could find and my husband and I shut down our bank accounts so the bleeding would stop. I was told we were protected and opened new accounts. I was told those checks would not clear, as the FRAUD RESTRICTION was put on the account.
Fast forward again to Friday, January 11th. Funds have been drafted against my account. TWO CHECKS for almost TWO THOUSAND dollars drafted against my account. How could this be?!?!?! Come to find out after running around town all day, someone at your bank made the decision, without my knowledge, to LIFT the FRAUD RESTRICTION from the accounts and now my NEW bank accounts that i opened as a result of the FRAUD were being debited for ILLEGAL CHECKS we had just tried to avoid 4 days ago. Not only am i completely confused and feeling violated; i have ZERO PROTECTION FROM MY OWN BANK. This is not OK.

WOW Terrible Customer Service

Its to bad there isnt a box to check for zero stars. I have called this bank many times and asked to speak to a manager which they will always " call you right back" Dont ever expect a call back from anyone from Midfirst, Online banking apps are terrible as well.

Charging A Fee On A Check Drawn From Their Bank.

I have been to many banks over the years when I am given a check to cash it. Generally this is so that if someone has insufficient funds I don't have to worry about something happening with my account due to an issue. I also have times where I don't want to wait for the bank to release the funds for use. I can go directly to the institution where the bank is drafted from, give a thumbprint with my ID and cash the check.

Today I attempted to to the same thing here and was told I would have to pay a fee since I was not an account holder even though the check was written on an account at MidFirst Bank. I was completely dumbfounded, especially after being told "All the banks are doing it." This is first and foremost an all out LIE as they are not all doing it, not to mention that it would have been cheaper to just go to walmart than pay their fee. I mean come on isn't all the fees part of the issues that have given banks a bad wrap in that last few years?

Anyway I would recommend that if you need a bank for services in the Oklahoma area you skip MidFirst and go with IBC or even City National since they won't charge fees to people you write a check too. Otherwise make sure that you know what the fee is ahead of time (currently 6.00 to cash a check) and include that with your check payment amount.

Customer Service Is No Longer!

Customer service is no longer!

We have banked at Midfirst for 20 years. Our Midfirst bank account was stolen and fraud committed on it at a Midfirst ATM. My husband rarely uses his Midfirst card to remove money but we stopped at the outdoor Midfirst ATM at SW 119th and Western in OKC. We later found out that someone had attached what the bank called a "skimmer" to the ATM and our account had a total of $1500 taken from it. Midfirst bank did not contact us, we found out a week later when the money was removed from our account. At this point it has been a week since the money was removed and I had not heard from the bank. I called and was informed by " Marcie" at SW 104th and Penn that it would take the full 10 days before we would hear anything or be given our money back and there were more customers than just me involved and the bank was working on the problem. My concern for this day and age is I keep hearing how advanced the technology is today but I do not think it has reached Midfirst Bank. My card had NO chip on it. I hear banking chips are needed to secure accounts. I have said I will not use an ATM card again. It is time for change and security to be in place. We are changing banks as soon as we can get our account cleared up.

Best Bank Ever

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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.

Horrible Experience With Midfirst!

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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.

I'm Through With This Bank

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I have had enough of overdraft fees when I have money in another account that could cover it. I have had enough of waiting for a check from another bank to clear. It has been over a week and I am still waiting for over $15,000 to be available for use. NO MORE! GOOD-BYE MID FIRST!

Terrible Customer Service - Unfortunate

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The customer service that I have received from the 888 number has been consistently friendly (if not totally inept sometimes), but the service I received in my branch was shockingly bad.  I felt completely insulted, as the discourteous and snide bankers (two different ones) I dealth with consistently blew me off, never returned calls, insisted that an obvious Midfirst mistake wasn't theirs, and so on.

A year previously, I had looked into a refinance for my vehicle, and that banker consistently blew me off as well, never returning calls.  Really unfortunate.  I chose Midfirst to get away from the faceless big banks, but ironically, I have received better service from Wells Fargo than Midfirst could ever be capable of providing.  IRONY!

I closed my account.  I absolutely would never reward that low class of customer service.

Remembering Check Fee Lawsuit

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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.

Midfirst Rocks My Socks Off. (Midfirst Bank VS. AT&T)

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I locked myself out of my Midfirst account. I called in because you have to unlock it over the phone. On hold for about 30 seconds, then I was on the line with someone. I talked to the first girl and she was super super friendly. It was like she was smiling so big she was about to just laugh out of pure joy in talking to me. She had to transfer me, the wait was about 30 seconds and the second person was super nice too! She had already unlocked my account by the time I was on the phone with her. So basically she just had to ask if I needed anything else. Time: <2min Problem resolved: yes. Mood: Even better than it was to start with. Let's compare. When you call AT&T you typically wait on hold for 30 minutes, then you get to the tier 1 person. They can't help, don't know how to help, and don't really care about your opinion of the company. They take a bunch of information to confirm your identity at the beginning of the conversation, and then you struggle through their inability to assist you for 10 minutes. Then they tell you they have to transfer you to someone else (thank goodness, because they are so tired of having to deal with a customer). They transfer you, and you sit on hold for 15 minutes. Then you get someone else who is slightly less interested in helping you than the last person. They ask you all of the exact same questions to confirm your identity, and then they spend 10 minutes figuring out that they can't or won't help you. Can you talk to a supervisor? No, we don't have supervisors that handle customer issues. etc. etc. This could go on through 3 or more transfers. Time: 45 minutes to 90 minutes. Problem resolved: no. Mood: pissed off to the point of screaming at someone.

Attitude & Online Banking

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Online banking is the absolute pits. I have downloaded Adobe 10x so that I can download statements from the other banks that I do business with, ie, Chase, Wells Fargo. At MidFirst there is a test to see if your Adobe program is compatible and working. I've taken the test on three different computers I have in my offices and all pass the test, yet I still can not download a statement. After several calls to this banks IT department since September 2011, I now find that Adobe 10X doesn't work. It works for their online test, but not to download statements or anything else.

Is this customer service ?

I don't think I've ever dealt with a more arrogant bunch of people than MIdFirst Bank. It's as if they are doing you a favor to let you in their banking centers.

High Early Withdrawal Penalty

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Just found out that the Early Withdrawal Penalty on an 84 month CD is 2 years!!! No thanks, MidFirst.

Love The Personal Service And No Fees

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I absolute love Midfirst!   It is small enough to be personal.    I simply asked and they linked my accounts.   I have no fees on both my business and checking accounts.   I can use any ATM and my fees will be rebated if charged.  

 I have online banking.  I set up my bills for payment.  I get an email as soon as they come out.   Their system is a bit different than other banks.  I could not go in to change my pin as with other banks. I kept waitng for a chance to to in person to change the pin and was a bit irritated when the banker couldnt' do it.   But to my surprise it was exceptionally easy process on the phone  I had to call to set up the online bill pay.  It did take about 2 days to get my confirmation.  Again a different system but it works.  I was upset the accounts weren't linked   Called and was told they would link.  Thought it woudl be another couple of days.  Next time I looked at my email (within hours it was linked)   But that was their way of confirming that it was me that made the change.  

At times, I wasn't sure if I liked it but everything that has happened made sense and it works like perfectly.    I love the tellers seems like every time we end up in a conversation just because they are so friendly and helpful.  The lobby at Thunderbird and 7th Street in Phoenix feels so good.  Professional and warm and welcoming.  I still am on an account for the merchants on Cave Creek Road and when I go to the bank, something about the lobby seems cold.   I haven't closes my Chase accounts because I am waiting for one of my direct deposits to go to Midfirst once before I close it.  (I waited to change the direct deposit until I was sure that I liked Midfirst and get that deposit seldom.)

Chase started charging monthly fees for my personal savings because it was under $300 with very short warning and the notice was in the fine print with a bank statement.  New business accounts have a $12 or $15 monthly service fee without keeping $1000's minimum balance    Midfirst has a no balance requirement for no fees.  I sure love that since my business is very small. 

Oh and free coin counting even if you aren't a customer

Sure love Midfirst... especially the $125 that I got for signing up for a group of services. 


Few Services, And Even Worse Customer Services.

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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.

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