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M & M+ Checking

More freedom for you.

Create a more rewarding banking relationship with a noninterest-earning M checking account, or get more out of your money with an interest-earning M+ Account. Either way, you receive great benefits and a meaningful banking experience.

M Account

A noninterest-earning account created for those seeking a more traditional-style checking account with added benefits.

Non-interest bearing
$10 monthly service charge waived with a $250 or more monthly recurring direct deposit, a $1,000 minimum average daily balance or when you have $50,000 in combined deposits
Paper statement fee waived when primary account holder is age 60 or older*
Free online and mobile banking*
Free Bill Pay and eStatements*
Pay friends and family with Zelle®*
Get paid up to two days early with Early Pay*
$100 minimum to open
Free money orders/official checks
Discounts on wallet checks
Safe deposit box discounts
Free incoming wires

Open an M Checking Account

M+ Account

Created for those who want to earn interest on a checking account with added benefits.

Earns interest
$15 monthly service charge waived with a $2,500 minimum average daily balance or when you have $50,000 in combined deposits
No paper statement fee
Free online and mobile banking*
Free Bill Pay and eStatements*
Pay friends and family with Zelle®*
Get paid up to two days early with Early Pay*
$100 minimum to open
Free money orders/official checks
Discounts on wallet checks
Safe deposit box discounts
Free incoming wires

Open an M+ Checking Account View M+ Checking Rates

Oklahoma M+ Checking Rates

Rates updated as of 5/3/2024.
Balance Tier	Minimum Balance	APY*
$0 to $2,499.99	$0	0.15%
$2,500 to $9,999.99	$2,500	0.15%
$10,000 to $19,999.99	$10,000	0.15%
$20,000 to $49,999.99	$20,000	0.25%
$50,000 & greater	$50,000	0.30%

Schedule an Appointment

Call 888.MIDFIRST (888.643.3477) for personalized assistance.

Account Agreement & Management Tips

Disclosure

*M Account: $10 monthly service charge for M Account is waived with a $250 monthly recurring direct deposit or $1,000 average daily balance or $50,000 in combined deposit balances. $5 monthly service charge discount applies when primary account owner is age 60 or older. M+ Account: $15 monthly service charge for M+ Account is waived with $2,500 average daily balance or $50,000 in combined deposit balances. $5 monthly service charge discount applies when primary account owner is age 60 or older. Paper Statement: A $4 monthly paper statement fee applies if paper is selected. The paper statement fee is not charged to M customers when primary account owner is age 60 or older. The paper statement fee is not charged to M+ customers. Wallet Checks: Shipping, handling and taxes apply. Online and Mobile Services: Services offered subject to their respective terms and conditions, and availability may vary by device. Zelle: Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled in Zelle, it could take one to three business days to receive the money once the enrollment is completed. New accounts must be opened for 30 days to be eligible for Early Pay. Early Pay: Requires eligible direct deposit to your MidFirst account. Direct deposits eligible for Early Pay include transactions that MidFirst can reasonably determine as employment compensation or government benefit payments. When a payer, such as an employer, submits payment files to MidFirst before the scheduled payment date, MidFirst may generally make funds available up to two days earlier than the scheduled payment date. Timing of access to these funds is dependent on the payer’s payment instructions, how the transaction is coded, and the timing of submission of payment files to MidFirst from the payer. Timing of available funds may vary between payment periods. MidFirst does not guarantee that you will receive early access to eligible direct deposits. You should confirm your Available Balance before attempting to make a withdrawal or purchase. Nonpayroll and tax payments may not be available for Early Pay. We may cancel Early Pay at any time and without notice. You may cancel Early Pay at any time by contacting your MidFirst personal banker or by calling us at 888.MIDFIRST (888.643.3477). Early Pay is not available for MidFirst payroll direct deposits to MidFirst Bank accounts. New accounts must be opened for 30 days to be eligible for Early Pay. APY: Interest rates and annual percentage yields (APY) are accurate as of date listed above. Rates are variable and subject to change at any time at MidFirst Bank's sole discretion. Service charges/fees may reduce earnings. Minimum balance to obtain stated interest rates/APYs are noted above.