Online Savings Account

After account opening, transfers initiated through the Vio Bank External Transfer Service are limited to $25,000 per day and $100,000 per month. Vio Bank doesn't limit the amount of incoming and outgoing ACH Transfers initiated by a third-party transfer service or another financial institution, but such transfers are subject to the Funds Availability Policy in your Account Agreement and under applicable law.

Vio Bank also allows customers to make deposits into their account by mailing a check (there is no pre-established limit for checks sent through the mail), depositing a check through the Mobile Deposit Service (limited to $100,000 per day and $250,000 per month) available in the Vio Bank Mobile App or by incoming wire transfer (there is no pre-established limit for wire transfers).

Please note that per the Vio Bank Account Agreement, the maximum deposit balance allowed for a Vio relationship is $2.5 million.

Vio Bank is a division of MidFirst Bank, and with assets of $39.0 billion, MidFirst is the largest privately owned bank in the nation.

Send money via ACH from your bank

• Use your bank’s ACH transfer feature (commonly called External Transfer); use routing number 303087995 for Vio Bank

If you’ve selected ACH as your funding method, within four business days, we’ll send two small deposits of less than $1 to the bank account you provided. These transactions will be called “MidFirst Bank Test Tran” (Vio is a division of MidFirst Bank) and will be used to help us verify your access to the account. Once you’ve received the deposits, simply follow the steps below to verify the transactions:

1. Go to viobank.com/complete.
2. Enter the email address you provided at account opening and the verification provided in the “Thank you for opening your Vio Bank account” email.
3. Follow the directions on the subsequent pages, where you’ll be asked to enter your test transaction amounts. Once these steps are completed, we’ll transfer your initial deposit amount into your new Vio Bank account.
4. You will be directed to online banking enrollment.

It is Vio Bank’s policy to require notarized forms when making changes to or performing transactions on your account to help ensure it is you requesting the change and not a fraudulent attempt to access or update your account.

The Vio Bank routing number is 303087995. This routing number is also registered to MidFirst Bank since Vio Bank is a division of MidFirst Bank. You may view your whole account number by logging into your online banking. Simply go to the Accounts tab on your Vio Bank online banking profile. Click the Online Documents link, and then select your last statement. The full account number will be viewable on your statement.

As listed in the Vio Bank Account Agreement, the maximum balance allowed for Vio is $2.5 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 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.