Online Account Creation FAQs

A joint account is held by more than one person with each individual having the right to deposit and withdraw funds. The joint applicants are required to provide personal information including their Social Security number, driver's license number, state of issuance and issue and expiration dates.

We ask for your email address to communicate with you regarding your application. Please note that MidFirst will never ask for your personal information such as your Social Security number or account numbers via email.

By providing your occupation, you are helping MidFirst understand who we serve by describing your organizational responsibilities or listing your job title.

Electronic transfer is a method used to fund your new MidFirst account via an existing non-MidFirst account. This is accomplished by providing a routing number and account number from an existing checking or savings account.

Backup withholding is a tax levied on investment income. Backup withholding may be applied when an investor has not met rules regarding taxpayer identification numbers (TIN).

The requested verification code was supplied to you in an email from MidFirst with the subject "Your New MidFirst Account." Please note that the verification code is case-sensitive and should be entered in all caps. If you no longer have this information, please contact us at 888.MIDFIRST (888.643.3477) for assistance.
 

The security code (CVV) is located on the back of your MidFirst Bank ATM/debit card. The requested code is the final three digits listed.

Your last statement balance is the Ending Balance on your most recent statement.

Your note number is the three-digit number following your six-digit loan account number. For example, if your loan number is 100100-100, your note number is 100.

Your original principal amount is the original amount of your loan.

An internal transfer gives you the opportunity to open a new MidFirst Bank account using funds from an existing MidFirst transactional account.

Please call 888.MIDFIRST (888.643.3477), option 6, (Mon – Fri 7 a.m. – 9 p.m., Sat 8 a.m. – 6 p.m., Sun 12 p.m. – 4 p.m. Central time) to update any incorrect information.

External account authorization is your approval for MidFirst Bank to debit your existing external bank account to fund your new MidFirst Bank account.

Your information is securely stored on your account and customer records once your new account is opened. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What does this mean for you? When you open an account, we will ask your name, address, date of birth, and other information that allows us to identify you. We may also ask to see your driver's license or other identifying documents.

If you already have an account with us, we can automatically fill out parts of your application using the information you provided when you opened your MidFirst ATM/debit card account or deposit account (excludes CDs and loans).

If you will be the only owner on the account, select "Individual." If you want to add a co-owner to the account, select "Joint."

Disclosures contain important terms and conditions that apply to your new account. Reviewing and accepting these disclosures ensures that you are well informed about your new account.

Answering additional security questions allows us to confirm your identity and ensure that no one else can open an account in your name. This additional layer of security helps protect you against identity fraud.

The IRS tax code defines a U.S. Person as a citizen or resident of the United States.

Bank regulations require that financial institutions collect an expectation of customers’ transactional behavior in order to determine risk levels in terms of money laundering, terrorist financing and identity theft.

Automated Clearing House (ACH) is a network that electronically processes transactions for financial institutions. These transfers typically take a few business days to process and for the money to be available in the receiving account. When you transfer funds from an account at one bank to an account at another bank over the internet or when you pay a bill online, you are likely completing an ACH transfer. An ACH transfer is the most common form of electronic money movement.

A wire transfer is a form of electronic money movement that moves the money real-time from the sending account to the receiving account at another bank. These types of transfers are less common and often require you to pay a fee and interact directly with a person at the Bank either in person or over the phone.

Your available balance is the balance displayed on your online and mobile banking account summary page.