New savings and money market savings accounts can be opened with a minimum of $100 up to a maximum of $250,000.
New Certificate of Deposit accounts (CDs) can be opened with a minimum of $500 up to a maximum of $1 million.

Flexibility to grow your money and access it when needed
Convenience of opening online
"It was quick and easy to apply online. Helpful and courteous customer service."
Vio Bank customer
"We've been with Vio Bank for 2 and 1/2 years. Very pleased with their product."
Vio Bank customer
More than 10x the National Average Rate of 0.40%*

What is an online money market savings account?
Opting for an online money market savings account means all of your account services are online and aren't tied to a physical banking branch. Typically, these accounts can offer higher returns and are very easy to open online.
What money market savings account is best for me?
Generally, you'll want to look for a money market savings account that offers no monthly fees, is FDIC insured to make sure your money is protected, and earns a great interest rate.
New savings and money market savings accounts can be opened with a minimum of $100 up to a maximum of $250,000.
New Certificate of Deposit accounts (CDs) can be opened with a minimum of $500 up to a maximum of $1 million.
Yes, you may add a POD beneficiary to your Vio Bank account by completing the Request to Add or Remove a POD (Payable on Death) Beneficiary form. Once you have the completed form signed and notarized, you may submit the form to Vio Bank via email to digitalbankforms@viobank.com, fax to 405.840.0862 or mail to P. O. Box 76149, Oklahoma City, Oklahoma 73147.
Vio Bank currently only offers sole owner and joint owner account styling. Although you are unable to open your account with a trust, you may list your trust as a POD Beneficiary. You may complete this request by completing the Request to Add or Remove a POD Beneficiary (Trust) and Trust Certification forms. Once you have completed the forms, signed and notarized, you may submit them to Vio Bank via email to digitalbankforms@viobank.com, fax to 405.840.0862 or mail to P.O. Box 76149, Oklahoma City, OK 73147.
Vio Bank will typically place a hold on deposits for five business days, although some circumstances may necessitate a longer hold to ensure good funds and the safety of your account. During that period, you will see your deposit within Vio Online/Mobile Banking, but you won’t be able to transfer it out until the period ends. You will earn the full amount of interest for those days regardless of the length of the hold.
Open a new account online in less than five minutes. You'll just need your Social Security number, driver's license and mailing address.
You can speak with one of our friendly customer service representatives by calling us at 888.999.9170:
Monday - Friday, 7:00 a.m. - 9:00 p.m. (CT)
Saturday, 8:00 a.m. - 6:00 p.m. (CT)
Sunday, Noon - 4:00 p.m. (CT)
*Rates and Annual Percentage Yields (APY) are subject to change without notice and are effective as of 03/20/2026. No brokered or institutional deposits. Fees may reduce earnings on the account.
Vio Bank is a division of MidFirst Bank, and Vio Bank deposits are considered MidFirst Bank deposits for purposes of FDIC coverage.
There is a $5 monthly fee if you receive paper statements.