Vio Bank is a division of MidFirst Bank, and with assets of $39.5 billion, MidFirst is the largest privately owned bank in the nation.

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.

Transfer money via ACH initiated by Vio Bank

You can initiate transfers with linked external bank accounts through your Vio Bank online and mobile banking. External transfers may take up to five business days to process.


If you have not yet set up external bank accounts in Vio:

  1. Make sure you're enrolled in Online Banking.
  2. Go to the Pay and Transfer tab and select 'Manage external transfer accounts' located under 'External transfers' tab.
  3. Click the 'add an external transfer account' link and follow the instructions.
  4. Within three 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. You will receive an email once the test transactions are sent.
    a. Log in to your online banking through viobank.com and go to Manage External Accounts.
    b. Select 'Verify' for the newly added account. then enter the two test deposit transaction amounts and click 'Submit.'
  5. Once the external account is verified, your account will have an 'Active' status in the manage external transfer accounts section.

If you have already set up external accounts in Vio:

  1. Within Online Banking, go to the Pay and Transfer tab and select 'Make an external transfer,' which is located under the 'External Transfers' tab.
  2. Select the account you want to transfer from/to, transfer date and amount.
    *Note: One of the accounts has to be a Vio account.
  3. Review info on the following screen. You have the options to edit, cancel or submit transfer at the bottom of the screen. When you select 'Submit Transfer,' you may be prompted to enter a passcode.
  4. Once the transfer is submitted, you'll be shown the transfer confirmation screen:
    • Once the transfer submission has been confirmed, you have the option to edit the transfer details by going into 'Scheduled external transfers.'
    • You can also schedule a recurring external transfer through the Pay and Transfer tab by selecting 'Make a recurring external transfer.'
    • Select accounts to/from, frequency, amount, start and end


Transfer money via ACH initiated by another bank

  • Use your bank's ACH transfer feature (commonly called External Transfer)
  • You will need your Vio account number
  • Use routing number 303087995 for Vio Bank

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 through a desktop. Click the deposit account you wish to view, then click the Account Information tab, and click or hover over the Show icon to see your full account number.

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

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.

As long as you have sufficient funds in your sending account, internal transfers between two Vio accounts are processed immediately. External transfers may take up to five business days to process.

There are no monthly service fees on your Vio savings, money market savings or CD accounts. There may be fees associated with service requests; please see the fee schedule for a full list of fees.

Your interest rate, APY and total interest received on your account can be found on your account statement. Your account statement can be found in your Online Banking account, under the Accounts menu, then eStatements and Notices.

A funds transfer is an internal account transfer between your Vio accounts. An external transfer is a transfer between your Vio accounts and an external bank through an ACH transaction. 

In order to remove an external transfer account, please contact our customer service team at 888.999.9170 to make a request.

Vio Bank's interest rate is subject to change at any time. However, you may utilize our interest calculators with our current rate to obtain a projected interest amount. Our interest calculators can be located at www.viobank.com/resources/calculators.

The Interest Rate is the nominal (standard) rate earned daily on your account. This is the rate earned if you do not take advantage of interest compounding, or leaving your funds in your account so that you can maximize interest earned.

The APY is the Annual Percentage Yield and is the effective interest rate earned when compounding the interest on your daily balance. What this means is that you earn interest on your interest earned, and over a year’s time, if you leave the funds in the account, will earn an effective APY, which is higher than the Interest Rate. Banks typically advertise the APY since this is the option most customers take advantage of and it provides the value of interest compounding over a year.

Vio Bank uses the daily balance method to calculate interest on your account, which means you earn interest on the balance in your account each day, or daily compounding. Regulation DD requires banks to represent the interest paid on deposit accounts as both an interest rate and APY. For more information on our interest methods, please see the fee schedule.

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 is a division of MidFirst Bank, member FDIC. You can validate MidFirst Bank's FDIC insurance coverage by visiting fdic.gov/bankfind.

Vio Bank is a division of MidFirst Bank, member FDIC. The standard insurance amount is $250,000 per depositor, per insured bank, for each ownership category. You may visit edie.fdic.gov to review if your full deposits are insured and explore options for extending your FDIC Coverage. Vio Bank and MidFirst Bank insurance coverage are treated as the same entity with $250,000 total coverage.

To enroll in Online Banking, go to the Vio Bank homepage and click the Show Options link under the login box and click Enroll in Online Banking. For mobile or tablet, click the Login button and click Enroll in Online Banking. You will need to enter your account number and other information from the Welcome email you’ll receive the next business day after opening your new account.  

With Vio Bank’s free Online Banking, you can manage your accounts online with secure technology and a variety of different services available. Online Banking offers access to your savings, money market savings and 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, download account information to Microsoft® Money or Quicken®, make transfers and receive alert notifications.

Vio Bank does not offer debit cards or check writing capabilities.

To access the Vio Bank Online Banking service, you will need Internet access and a browser capable of high security 128-bit encryption. For optimum performance, it is highly recommended you use a current version of a commercially accepted browser. View complete list of supported browsers.

You are only able to complete an internal funds transfer between two Vio Bank savings or money market savings accounts. You may utilize the External Transfer Service within Online Banking to transfer funds between other financial institutions. Certificate of Deposit accounts are not eligible for funds transfers or external transfers.

At the maturity, if you elect not to renew your CD, please contact a Vio Bank customer representative within your grace period of 10 calendar days.

Please contact a Vio Bank customer service representative within 10 days of your maturity date by calling 888.999.9170 and choosing option 0.

No, Online Banking and the mobile app are free to all Vio savings, money market savings and CD customers. Please note that you will need to enroll in Online Banking prior to accessing Mobile Banking.

1Services offered are subject to their respective terms and conditions, availability may vary by device.