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Overdraft Services

Overdraft Privilege

Overdraft Privilege is a service that permits transactions to be paid at MidFirst's discretion in an overdraft situation for ATM and everyday debit card transactions. You can add or remove Overdraft Privilege to your account by visiting your local MidFirst Bank, calling 888.MIDFIRST (888.643.3477) or logging in to MidFirst online banking.

Benefits

  • Available to MidFirst Bank checking customers, subject to approval
  • No fees if the service is never used
  • No annual fee

Applicable Fees

  • A $35 fee is assessed for each overdraft item on your account.
  • A one-time extended overdraft fee of $25 applies if your account is overdrawn in any amount for at least seven consecutive calendar days.
  • A daily limit of five per-item overdraft fees can be assessed to your account on any processing day.
  • If your account is overdrawn by $5 or less at the end of a processing day, we will not charge any per-item overdraft fees.

Overdraft Protect - Deposit Account

Overdraft Protect links your MidFirst Bank savings, money market or another checking account to your checking account.

  • Automatic transfers from your deposit account to your checking account
  • Signing up for Overdraft Protect is easy – visit your local MidFirst Bank or call 888.MIDFIRST (888.643.3477)

Benefits

  • Available to all MidFirst customers with a checking account and savings, money market account or other checking account
  • No fees if the service is never used
  • No annual fee
  • Designed to minimize overdraft fees

Applicable Fees

  • $12.50 per daily transfer*

Overdraft Protect - Line of Credit

Link your MidFirst Bank line of credit to your MidFirst checking account and any overdrawn amount will be automatically transferred from your line of credit to your checking account. Applying for a line of credit is easy; just visit your local MidFirst Bank or call 888.MIDFIRST (888.643.3477) for more details.

Benefits

  • Easy to set up with your established MidFirst Bank line of credit
  • Designed to minimize overdraft fees

Applicable Fees

  • Annual fee: See your Loan Agreement and Disclosure
  • $12.50 per day transfer fee is assessed to the linked checking account*
  • Late fees may apply on outstanding line of credit balance
  • Interest charges may be incurred on outstanding line of credit balances
  • Minimum transfer increments of $100 plus transfer fee