Online Banking FAQs

With Personal Online Banking, manage your accounts online with secure technology and a variety of different services available. Personal Online Banking offers access to checking, savings, consumer loan and certificate of deposit (CD) accounts, 24 hours a day, seven days a week. In addition to viewing real time account information and transaction history, you can view eStatements and check images, download account information to Microsoft Money® or Quicken, initiate stop payments, make transfers, send secure emails to MidFirst Bank and receive alert notifications.

Personal Online Banking is free to all MidFirst checking, savings, consumer loan and CD customers. In addition, most checking account customers are eligible for optional Bill Pay.

To access the Personal Online Banking system, you will need a computer, modem, Internet access and a browser capable of high security 128-bit encryption. For optimum performance, it is highly recommended you use one of the latest commercially accepted browser versions.

Midfirst.com supports a variety of browsers and versions. View complete list of supported browsers.

Information about your checking, savings, consumer loan and CD accounts are viewable through Personal Online Banking.

MidFirst Bank's online banking systems support a variety of browsers and versions. View a complete list of supported browsers.

While logged in to Personal Online Banking, select the "Bill Pay" tab, select "Enroll Now," read the disclosure and check the box if you agree to the Bill Pay Service Terms and Conditions, then tap "accept". You'll then be able to select the accounts you want to enroll in Bill Pay.

• If you live in Oklahoma or Texas, your MidFirst Bank routing number is 303087995.
• If you live in Arizona, your MidFirst Bank routing number is 122187445.
• If you live in Colorado, your MidFirst Bank routing number is 102089929.
• If you are using the routing number to establish a wire transfer, then your MidFirst Bank routing number is 303087995 regardlesss of where you live.

You can order checks online or by phone. To order checks online, log in to Personal Online Banking and go to "More", then "Account Services" and select "Order Checks." To order checks by phone, call 888.MIDFIRST (888.643.3477) and press option 5.

Alert messages notify you of specified changes affecting your accounts. You can receive these alert notifications via email or text message (select alerts only).*

*Wireless carrier charges may apply for text messages received. Please refer to your wireless and/or Internet plan to determine the cost of using the Internet through your wireless device.

Minimum Balance Alert

Notifies you when an account balance falls below a preset minimum.

Maximum Balance Alert

Notifies you when an account balance rises above a preset maximum.

Successful/Failed Transfer Alert

Notifies you when a scheduled transfer was successful or failed.

Certificate Maturity Alert

Notifies you 14 days before your CD is due to mature.

Deposit of $ Processed Alert

Notifies you when a specific deposit amount has cleared.

Check Processed Alert

Notifies you when a specific check has cleared.

Account Balance Alert

Notifies you of your current and available balance, either daily/weekly.

Recurring External Transfer Expired Alert

An alert is sent when a recurring external transfer has expired.

External Transfer Pending Alert

An alert is sent when an external transfer is pending.

• Account Balance – notifies you with your current and available balances, either daily or weekly
• Minimum Balance Alert – notifies you when an account balance falls below a preset minimum
• Maximum Balance Alert – Notifies you when an account balance rises above a preset maximum.

1. Card Status Change – notifies you when there is a change in the status of a debit card
2. Suspected Fraud – notifies you when there is suspected fraud on your debit card

To keep your banking information private, first, use the latest commercially accepted browser versions. View a complete list of supported browsers. Second, always keep your password confidential. If you would like to change your password, you may do so by clicking on the "More" tab and selecting "Settings." The "Login Details" tab will allow you to change your password. Finally, never walk away from your computer without logging out of the system. When you are finished with your banking, click the "Log Out" button in the top right corner of your screen and close your browser. More Security Tips.

Yes, stop payments made by telephone or lobby visit will appear on Personal Online Banking.

• Weekly – transfers would occur each Tuesday
• Biweekly – transfers would occur every other Tuesday
• Twice a month –transfers would occur on the fifth and nineteenth (14 days later) of each month
• Monthly – transfers would occur on the fifth of each month
• Quarterly – transfers would occur every three months on the fifth
• Semiannually – transfers would occur every six months on the fifth
• Annually – transfers would occur once a year on the fifth of the selected month

An external transfer allows you to move funds between a MidFirst checking, savings or money market account you have established within Personal Online Banking and a checking, savings or money market account you have at another financial institution.

Daily limits apply to all external transfer transactions processed in the daily cutoff batch process at 6 p.m. Central time. This includes all transactions scheduled after the 6 p.m. Central time cutoff from the previous processing day. All transactions scheduled over a weekend are processed and included in Monday's daily aggregate count. Please review your Personal Online Banking Agreement for other important information regarding external transfer limitations.

You may schedule up to 16 external transfers in one day, eight outgoing and eight incoming. Please review your Personal Online Banking documents for other important information regarding external transfer limitations.

To schedule a transfer on a future date between your eligible MidFirst accounts and external accounts, log in to Personal Online Banking and select the "Move Money" tab. In the "Transfers" tab, choose the account you want to transfer from, the account you want to transfer to, the date you want the transfer to occur and the amount that you want to transfer. Click the continue button and then review the information. If it is correct, click the "Submit Transfer" button.

To change or delete a recurring external transfer, log in to Personal Online Banking and select the "Move Money" tab and "Transfer" and choose "Scheduled Transfers." Next, tap the transfer you're wanting to change and then click "Edit" or "Delete".

Bill Pay is free for all consumer checking accounts.

An eBill is an electronic version of your bill that you receive directly within Personal Online Banking

Yes, eBills contain the same information and look exactly like your paper bills. The only difference is they are delivered conveniently to your Personal Online Banking account instead of your mailbox.

Sign in to Personal Online Banking, and click the "Set up eBill" link under the payee name displayed on the Bill Pay screen and follow the online instructions.

If you are un-enrolled from their online banking or Bill Pay, all eBill relationships with their payees will be discontinued for the customer. Our system will send a notification to the payee that the customer should be removed from the eBill file. The customer will no longer have access to their eBill (unless they saved the electronic file to their computer) through online banking or Bill Pay. A customer may still have access to their previous bills through the payee's website. A customer will also be responsible for reinitiating their paper bill.

Most accounts will have immediate access to Bill Pay after enrolling.

Checking accounts are the only type of accounts eligible to pay bills using Bill Pay.

Yes, a joint owner on an account can use Bill Pay, provided the account is a checking account.

If you would like to add a Bill Pay account to use more than one account to make bill payments, click on the "Bill Pay" tab and select "Manage Payment Accounts." Choose the account(s) you would like to use for bill payment and click the switch to change from "No" to "Yes," then select "Yes, Update."

If you close an account, that account will be deleted from your Bill Pay screen by an online banking specialist within 3-5 business days. If you would like to remove an account from bill payment, click on the "Bill Pay" tab and select "Manage Payment Accounts." Choose the account(s) you would like to remove from bill payment and switch the "enabled for payments" selection from "Yes" to "No" and then tap "Yes, Update," then select "Save Changes."

Bill Pay allows you to set up payments to businesses and individuals. Once you enter a payment instruction, the request is submitted at 8 p.m. Central time, Monday through Friday (excluding holidays). Depending on the payee, your payment will be sent electronically or by paper check the next business day. The funds are deducted from your bill payment account on the scheduled date.

Before a payment is made, the Bank will verify the balance of your Bill Pay funding account. If sufficient funds are not in that account on the scheduled payment date, the payment may be delayed or canceled. If the payment is made, your account is subject to the standard overdraft fee as stated in MidFirst Bank's Fee Schedule. Once your account becomes overdrawn, all other pending payments are placed on hold until your account balance becomes positive again.

Canceled checks can be viewed in Personal Online Banking by selecting "View Bill Payment Reports." Locate the payment from the list and click "View Check Link." This will allow you to view the front and back of the canceled check.

Payments cannot be made in foreign currency or to international payees. In addition, you cannot pay court-ordered payments or tax payments, such as alimony, child support or Internal Revenue Service payments. For payments to U.S. government agencies, Bill Pay has limited ability to research any issues that may arise due to the government's strict adherence to the Consumer Privacy Act. Bill Pay will not be responsible for any late fees or penalties that may be incurred by these types of payments.

To add a payee in Bill Pay, go to "Bill Pay" tab and select "Pay someone new." If the company is not listed, you can select "Add" to fill in the payee's information.

To delete a Payee from Bill Pay, select the payee name you would like to delete. From this screen, choose "Delete" and your payee will be deleted.

Personal Online Banking does not provide this option. However, if you wish to make multiple recurring payments to the same payee, you could set up the vendor as two separate payees, one for each type of payment. For example, you could pay ABC Insurance on the fifth of each month for car insurance, then again on the 15th of each month for home insurance.