Overview / Commentary
501 NW Grand Boulevard
Oklahoma City, OK 73118

Related Posts

Vio Bank Ups High Yield Online Savings To 2.25% APY - 10/31/2018

Vio Bank (internet division of MidFirst Bank) has raised the rate on its High Yield Online Savings account to 2.25% APY on all balances. Minimum opening deposit is $100.

Vio Bank Opens Its Virtual Doors With Savings Account - 8/22/2018

Vio Bank, a new internet division of MidFirst Bank, is offering a High Yield Online Savings account, which earns 2.10% APY on all balances. Minimum $100 opening deposit.

Reviews (7)

Good Experience So Far

Opened account online. I knew the answers to my credit check quiz so no problems there.

You have to separately enroll in Mobile Banking, after which I called, got through instantly to a CSR, who finished the enrollment and I had online access that day. Was able to make test deposits from my other online bank account the next day.

I pushed $1500 to the newly opened Vio account. There appears to be no hold when you PUSH money to the account.

So far, very smooth expeirence. The one contact with the CSR was fast, courteous, and she was empowered to help me.

I Quickly Moved On To Mysavingsdirect, Wayyyy Better

Posted by: trailspeed | Sep 1, 2018

$2,000 daily transfer out from vio bank, but no limit initiated from external bank

after 12 month of no activity there's $5 monthly fee (great shame!)

calling CS was cool, no issue with wait times

holding period, first time 7 business days, then 5 business days, you earn interest during holding period

after I verified the test deposits (make sure you write down full account number or you have to call CS like I did), I registered for the login account, put in your vio bank account #, your balance is 0 as you initial has not been transferred yet, and it said it will take 1-3 days to get approved (WTF), but since I had to call for my account #, CS approved my login access instantly after they asked me a bunch of questions

does not work well with lastpass but I'll live

Home page with banking advertisement looks good, but after you login it looks dated and there are quite a few links that don't work that are for a checking account, they are owed by a brick and mortar bank.
Only last 4 of account number on website and there's no routing number on the website and have to call in to ask for it even though I sent secure message for it, they responded by saying I need to call in,

The android app will ONLY make transferts to other vio/midfirst bank accounts, not too sure about this bank, but hey it has a great interest rate.

Horrible Experience

WORST online bank account I have ever had. I have had the account for a month and set up the external account transfer capability and said is "active" - will allow me to deposit funds in account but not remove from account. I am in the process of getting all money out of account and closing the account as my account and am told that if close account mid month then don't receive interest for that month....

Read The FULL CURRENT Agreement BEFORE Opening

Posted by: 0vertures | Oct 9, 2018

As of today Vio is holding $40,000 of my money hostage and I have to pay $30 to w/d it.
I was able to put $60,000 into the account and thought I'd make more $. Then I realized that I could only link ONE checking account. I used TD. TD has a policy of only using an ACH transfer up to $10,000/month. So I called VIO and they confirmed my only choice (they will not send you a check) is to WIRE IT to TD. That will cost $15. at TD (in) and $18.00 at Vio OUT).
As someone pointed out, My Savings Direct has a higher rate and no restrictions on SIZE of Deposits OR withdrawals. Just the 6 ACHs a month W/d which is fed rules.

Beware, Your New Account Deposit Is Not Available For 9 Days

Posted by: AR | Aug 30, 2018

I started an account considering high advertized interest rate for deposit account. However, it was a hassle to get through teh application and initial deposit. Today I learned that the initial money I deposited is held for 9 business days and won't be available for transactions. They have not mentioned anything about restriction on fund availability during the application process or fund transfer process. I checked online info available on the deposit account fund availability rules for FDIC insured accounts, it appears what they are doing may be not be correct. While it is banks description to hold some money up to 9 business days, they should have released at least partial deposit with in 1 day after the transfer. So when you open the new account beware that the initial deposit money is gone for 9 business days until you have access to it.

Nothing But Trouble

There is nothing internet about this account. I have had to call 3 separate times and suffered through extensive holds each time.
ACH test deposit charged against my account on 8-21, funds are still being held on 8-28. No Funds Availibility Notice (Reg. CC violation assuming account is MMDA), no reason to hold a settled NACHA transfer. Best to give up 5bp and deposit with an experienced internet bank. Off to Capital One.

Account Not Approved

Just tried to apply for Vio Bank Online Savings Account. Was denied due to "incorrect" answers to security questions. This is the first time in my life (40 years of financials) that I was not approved for a bank account. The interesting part is that half of those security questions had absolutely nothing to do with me or my life history. They pull "public records" and if those records are wrong, you are @#$! out of luck. Called them up - the answer was - sorry, we can't do anything for you. Meanwhile, they now have my SS number and all the various personal information. So, yeah - not good...


Health Grade Components

FDIC Certificate #4063
Year Established1911
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.02%
Return on Equity - YTD19.36%
Annual Interest Income$317.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$15.38B$14.55B
LoansQ2 2018vs Q2 2017$11.11B$10.45B
DepositsQ2 2018vs Q2 2017$8.30B$7.83B
Equity CapitalQ2 2018vs Q2 2017$1.64B$1.50B
Loan Loss AllowanceQ2 2018vs Q2 2017$116.5MM$97.9MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$60.2MM$70.7MM
Real Estate OwnedQ2 2018vs Q2 2017$21.9MM$34.1MM
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Vio Bank Savings Account Rates

2.27%$100-High Yield Online Savings Account

Vio Bank CD Rates

3.15%$500-60 Month High Yield Online CD
3.15%$500-84 Month High Yield Online CD
3.15%$500-120 Month High Yield Online CD
3.10%$500-48 Month High Yield Online CD
2.90%$500-36 Month High Yield Online CD
2.85%$500-24 Month High Yield Online CD
2.80%$500-18 Month High Yield Online CD
2.75%$500-15 Month High Yield Online CD
2.71%$500-12 Month High Yield Online CD
2.10%$500-9 Month High Yield Online CD
2.00%$500-6 Month High Yield Online CD

Vio Bank is an Internet only bank and does not have branch locations. Its headquarters is located at 501 NW Grand Boulevard - Oklahoma City, OK 73118

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