Online Banking FAQs

With Personal Online Banking, manage your accounts online with secure technology and a variety of different services available. Personal Online Banking offers access to checking, savings, consumer loan and certificate of deposit (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 and check images, download account information to Microsoft Money® or Quicken, initiate stop payments, make transfers, send secure emails to MidFirst Bank and receive alert notifications.

Personal Online Banking is free to all MidFirst checking, savings, consumer loan and CD customers. In addition, most checking account customers are eligible for optional Bill Pay.

To access the Personal Online Banking system, you will need a computer, modem, Internet access and a browser capable of high security 128-bit encryption. For optimum performance, it is highly recommended you use one of the latest commercially accepted browser versions.

Midfirst.com supports a variety of browsers and versions. View complete list of supported browsers.

Information about your checking, savings, consumer loan and CD accounts are viewable through Personal Online Banking.

Social Security numbers should not contain dashes or spaces.

Do NOT enter a comma in the dollar amount for any balances over $999.99.

A successful enrollment will allow you immediate viewing access to your online account. If you are unable to immediately view your account upon enrollment, please contact Personal Online Banking Support at 888.MIDFIRST (888.643.3477) and press option 6 to speak with an online banking specialist.

While logged in to Personal Online Banking, select the "Make Payments" tab, read the disclosure and click the "I Agree" button found at the bottom of the page to enroll in Bill Pay.

MidFirst Bank's online banking systems support a variety of browsers and versions. View a complete list of supported browsers.

Most likely, you have entered your user ID or password incorrectly. Both are case-sensitive, so make sure the "Caps Lock" is off.

If you forget your password, select the "Forgot your password?" link that is visible once you enter your User ID. A new password can be issued by contacting Personal Online Banking Support at 888.MIDFIRST (888.643.3477) and pressing option 6 to speak to an online banking specialist.

The system is available 24 hours a day, seven days a week, with the exception of regularly scheduled maintenance times.

You can view detailed account information for a specific transaction by selecting the individual item shown in the "Account Activity" screen.

If one of your accounts does not appear on the "Accounts Overview" page, please contact Personal Online Banking Support at 888.MIDFIRST (888.643.3477) and press option 6, and an online banking specialist will assist you.

• If you live in Oklahoma, your MidFirst Bank routing number is 303087995.
• If you live in Arizona, your MidFirst Bank routing number is 122187445.
• If you live in Colorado, your MidFirst Bank routing number is 102089929.
• If you are using the routing number to establish a wire transfer, then your MidFirst Bank routing number is 303087995 regardlesss of where you live.

Yes, you can view your CD, loan, and savings account information online without a MidFirst checking account. During self-enrollment, input your savings account number. If you are a CD or loan customer, you must click the "CD or Loan only" link and enter the appropriate information.

You are able to view 13 months of online account activity history and 48 months of account statements.

The maximum number of viewable transactions is 3,000 per account.

No, with unique user IDs and passwords, account preferences—such as account descriptions and ordering—are tied to the user's unique profile on a joint account.

The "Current Balance" is the balance of your account as of the end of business from the previous business day. The "Available Balance" subtracts or adds any pending intra-day transactions, which includes cash deposits or withdrawals, pending Visa® debit card transactions, ATM withdrawals or any transaction conducted at a MidFirst banking center.

To view images of cleared checks, click the camera icon on the "Account Activity" screen next to the check number to view the image. The check image will appear in a separate window and you will be able to view the front or back.

For options for viewing and sorting account activity information, you can search transaction types and specific date ranges by selecting "Search Transaction History" on the "Account Activity" page.

You can order checks online or by phone. To order checks online, log in to Personal Online Banking and go to "Customer Service", then "Account Services" and select "Reorder Checks." To order checks by phone, call 888.MIDFIRST (888.643.3477) and press option 5.

Alert messages notify you of specified changes affecting your accounts. You can receive these alert notifications via email or text message (select alerts only).*

*Wireless carrier charges may apply for text messages received. Please refer to your wireless and/or Internet plan to determine the cost of using the Internet through your wireless device.

Minimum Balance Alert

Notifies you when an account balance falls below a preset minimum.

Maximum Balance Alert

Notifies you when an account balance rises above a preset maximum.

Successful/Failed Transfer Alert

Notifies you when a scheduled transfer was successful or failed.

Certificate Maturity Alert

Notifies you when your CD is due to mature.

Deposit Clear Alert

Notifies you when a specific deposit amount has cleared.

Check Clear Alert

Notifies you when a specific check has cleared.

Account Balance Alert

Notifies you of your current and available balance, either daily/weekly.

No, alert messages will be sent as soon as nightly processing with the Bank ends. This means that alerts can be received at any time, including overnight.

You can receive Account Alerts to a primary email address, a secondary email address or via text message* (select alerts only). Simply log in to your online account, go to "Customer Service" and then "Manage Alerts" and complete the contact information. Check the boxes to indicate which contact source(s) you wish to use. You can change where you want the alerts to be sent at any time.

*Wireless carrier charges may apply for Internet minutes used. Please refer to your wireless and/or Internet plan to determine the cost of using the Internet through your wireless device.

Any time your password, contact information or user ID is changed or disabled, you will receive an alert notifying you of the change. If you have not changed your password, contact information or user ID, call customer service at 866.626.3888 immediately.

Two types of Account Alerts are available:

• Account Balance – notifies you with your current and available balances, either daily or weekly
• Minimum Balance Alert – notifies you when an account balance falls below a preset minimum

Two types of Debit Card Alerts are available:

1. Card Status Change – notifies you when there is a change in the status of a debit card
2. Suspected Fraud – notifies you when there is suspected fraud on your debit card

You can edit your Account Alerts under the Customer Service tab in Personal Online Banking. Account Alerts are categorized, so select the alert category for the alert you wish to modify. Choose the Change option next to the alert, unselect the box next to your mobile phone number and save your change to stop the alert.

SMS (text message) Alerts will be sent as soon as our nightly processing is completed. This means that you can receive your email and/or text message alerts during the night or early morning.

Yes, if your browser does not have 128-bit encryption, you will see an error message telling you to upgrade your browser.

To keep your banking information private, first, use the latest commercially accepted browser versions. View a complete list of supported browsers. Second, always keep your password confidential. If you would like to change your password, you may do so by clicking on "Change Password" under "Account Maintenance." Finally, never walk away from your computer without logging out of the system. When you are finished with your banking, click the "Sign Off" button in the top left corner of your screen and close your browser. More Security Tips.

Bank Mail, which is transmitted via the Personal Online Banking system, is sent over a dedicated, secure line, so it is safe to include sensitive information such as account numbers.

Online stop payment requests must be made by 5 p.m. Central time.

There is no minimum or maximum dollar amount limit; however, a $30 fee will be applied to your account for each stop payment initiated.

Yes, stop payments made by telephone or lobby visit will appear on Personal Online Banking.

Any transfer request received before 10 p.m. Central time will be posted on the same business day.

Both future-dated and recurring transfers are processed daily at 5 a.m. Central time. Please note, a transfer scheduled for today in a repeating transfer series will be processed the next business day. Remaining transfers in the series will be processed according to the schedule you specify. If you want a transfer processed today, please use the one-time transfer feature (see above).

The maximum future date for transfers is 364 days in advance.

Even though all customer accounts may appear in the drop-down list, only checking and savings accounts are eligible for funds transfer. An error message will appear if you attempt to transfer funds either to or from an ineligible account, such as a loan account or a CD.

Examples for setting up a repeating (recurring) transfer are shown below. If your repeating transfer start date is on a Tuesday, the fifth of the month, with the following frequency:

• Weekly – transfers would occur each Tuesday
• Biweekly – transfers would occur every other Tuesday
• Twice a month –transfers would occur on the fifth and nineteenth (14 days later) of each month
• Monthly – transfers would occur on the fifth of each month
• Quarterly – transfers would occur every three months on the fifth
• Semiannually – transfers would occur every six months on the fifth

Funds availability is not checked when future-date transfers are set up. Additionally, if multiple transfers are scheduled to be processed on the same day and on the same account, the transfer will be processed from largest to smallest.

You can find the routing number of another bank at another financial institution by visiting https://routingnumber.aba.com.

An external transfer allows you to move funds between a MidFirst checking, savings or money market account you have established within Personal Online Banking and a checking, savings or money market account you have at another financial institution.

There is no charge for incoming or outgoing external transfers.

You may use a checking, money market or savings account for the external transfer service.

Please contact your bank or other financial institution to verify the correct routing and account numbers. Some credit unions may have a different account number than what is noted on your statements.

No, you can only transfer funds to your accounts held at a United States financial institution.

Daily limits apply to all external transfer transactions processed in the daily cutoff batch process at 6 p.m. Central time. This includes all transactions scheduled after the 6 p.m. Central time cutoff from the previous processing day. All transactions scheduled over a weekend are processed and included in Monday's daily aggregate count. Please review your Personal Online Banking Agreement for other important information regarding external transfer limitations.

You may schedule up to 16 external transfers in one day, eight outgoing and eight incoming. Please review your Personal Online Banking documents for other important information regarding external transfer limitations.

Transfers between your MidFirst account and non-MidFirst accounts will be initiated on the transfer date you selected. It will take 1-3 business days for the transfer to be received at the non-MidFirst account.

Funds transferred into your account by external transfer will be available on the third business day following the scheduled external transfer date. Any funds transferred to a newly opened account will not be available until the fifth business day following the scheduled external transfer date.

To schedule a transfer on a future date between your eligible MidFirst accounts and external accounts, log in to Personal Online Banking and select the "Pay and Transfers" tab. Select "Make an External Transfer," and choose the account you want to transfer from, the account you want to transfer to, the date you want the transfer to occur and the amount that you want to transfer. Click the continue button and then review the information. If it is correct, click the submit button.

To set up a recurring transfer, log in to Personal Online Banking and select the "Pay and Transfers" tab. Select "Make a Recurring External Transfer." Choose the account you want to transfer from and the account you want to transfer to. Choose the frequency, amount and the date you want the external transfer to start. Then choose when to end the recurring transfer: "Continue indefinitely," "Continue until a certain date" or "Continue for this number of transfers." Click the continue button and then review the information. If it is correct, click the submit button.

To change or delete a recurring external transfer, log in to Personal Online Banking and select "Pay and Transfer" and choose "Scheduled Transfers." Next, click on "Edit" or "Delete" for the external transfer you want to change or delete.

Because the external account is not a MidFirst account, it will not show up on the "Accounts Overview" screen. The account number will be displayed in the drop down list when you choose to set up a one-time or recurring external transfer.

Bill Pay allows you to set up payments to businesses and individuals. Once you enter a payment instruction, the request is submitted at 8 p.m. Central time, Monday through Friday (excluding holidays). Depending on the payee, your payment will be sent electronically or by paper check the next business day. The funds are deducted from your bill payment account on the scheduled date.

Minimum payment lead times will be provided on the bill payment page, based on whether the payee accepts electronic payments or paper check payments (designated by a paper check symbol). Payments to electronic payees should be scheduled a minimum of three business days before the payment due date, and for paper checks a minimum of six business days before the payment due date.

Bill Pay is free for all consumer checking accounts.

No, you will not incur additional charges if you pay bills from more than one account.

Most accounts will have immediate access to Bill Pay after enrolling.

Checking accounts are the only type of accounts eligible to pay bills using Bill Pay.

Yes, a joint owner on an account can use Bill Pay, provided the account is a checking account.

If you would like to add a Bill Pay account to use more than one account to make bill payments, click on the "Pay & Transfer" tab and select "Manage Payment Accounts." Choose the account(s) you would like to use for bill payment and place a checkmark in the box, then select "Save Changes."

If you close an account, that account will be deleted from your Bill Pay screen by an online banking specialist within 3-5 business days. If you would like to delete an account from bill payment, click on the "Customer Service" tab and select "Customize Accounts." Choose the account(s) you would like to delete from bill payment and uncheck the box, then select "Save Changes."

To change an account used for Bill Pay, click on the "Customer Service" tab and select "Customize Accounts." Choose the account(s) you would like to change and check the box, then select "Save Changes."

Online bill payments may only be made to a United States payee, which includes Guam, Puerto Rico, U.S. Virgin Islands and international U.S. military bases in U.S. dollars.

Payments cannot be made in foreign currency or to international payees. In addition, you cannot pay court-ordered payments or tax payments, such as alimony, child support or Internal Revenue Service payments. For payments to U.S. government agencies, Bill Pay has limited ability to research any issues that may arise due to the government's strict adherence to the Consumer Privacy Act. Bill Pay will not be responsible for any late fees or penalties that may be incurred by these types of payments.

No, your payees do not need to do anything different to process online bill payments and your payment information is clearly indicated on the payment.

To add a payee in Bill Pay, go to "Pay Bills" and type the payee name in the "Pay someone new" box. If the company is not listed, you can manually enter the payee information.

Setting up a new payee takes only minutes. Once the new payee is entered, you can begin paying bills to them immediately.

To change a payee name and address, from the "My Payees" list, click the "Payee" to view details. You can select "Change Information" to make the necessary changes. If the payee was manually entered, you may change the payee phone number, account number, nickname, category and name on the account. For other changes regarding payees that were not manually entered, delete the payee and re-enter it with the correct information.

To delete a Payee from Bill Pay, cancel scheduled payments for the payee by accessing the "Scheduled Payments" screen and clicking "Cancel." Go to the "My Payees" list and select the payee name you would like to delete. From this screen, choose "Delete" and your payee will be deleted.

Your payee will receive either an Automated Clearing House (ACH) electronic payment or a paper check. The payment is appended with information you have provided, such as your name and account number, so the payee can properly credit your payment.

You may schedule a one-time future payment up to 364 days in advance.

For a future-dated payment, this should be the date you want your payment transmitted, which is the date the payment is extracted for processing. To ensure on-time payment, allow at least six business days for paper checks and three business days for electronic payments.

Yes, you may make multiple payments to the same payee on the same day, provided the payment amounts are different. For your protection, the system will not pay duplicate items to the same payee on the same day.

Any new bill payments entered by 8 p.m. Central time will be accepted for processing that day. If they are future dated, they will remain in the pending queue until 8 p.m. Central time on that date. Payments entered after the deadline will be processed the next business day.

If the payment is still pending, you can make changes. However, once the payment has been transmitted, you can no longer make changes or delete the payment.

You can cancel or modify your payment online any time before 8 p.m. Central time on the payment transmission date.

Personal Online Banking does not provide this option. However, if you wish to make multiple recurring payments to the same payee, you could set up the vendor as two separate payees, one for each type of payment. For example, you could pay ABC Insurance on the fifth of each month for car insurance, then again on the 15th of each month for home insurance.

Yes, you can edit the amount of a recurring pending payment by clicking on "Scheduled Payments" and changing the pending payment amount. If one of the payments has already been made, you will first need to change the start date of the recurring pending payment to the date when the next payment should be processed. You can then change the amount. This change will only affect the payments that have not yet been made.

Before a payment is made, the Bank will verify the balance of your Bill Pay funding account. If sufficient funds are not in that account on the scheduled payment date, the payment may be delayed or canceled. If the payment is made, your account is subject to the standard overdraft fee as stated in MidFirst Bank's Fee Schedule. Once your account becomes overdrawn, all other pending payments are placed on hold until your account balance becomes positive again.

Bill payments are processed Monday through Friday, excluding holidays.

The funds are deducted from your bill payment account on the scheduled date.

Bill payment reporting is not "real time" and reports do not reflect bill payment activity until the following day.

The "Total Paid" only includes those payment transactions that have already been processed and paid. Pending and canceled payments are not included in this total.

You cannot place a stop payment on a bill payment that was sent electronically or that has already cleared the Bank. However, if the payment was made via a paper check that has not yet cleared, you may call Personal Online Banking Support at 888.MIDFIRST (888.643.3477) and press option 6 to arrange for a stop payment. Standard stop payment fees will apply.

If a payee says they have not received your payment, call Personal Online Banking Support at 888.MIDFIRST (888.643.3477) and press option 6; an online specialist will be happy to research your payment.

Canceled checks can be viewed in Personal Online Banking by selecting "View Bill Payment Reports." Locate the payment from the list and click "View Check Link." This will allow you to view the front and back of the canceled check.

An eBill is an electronic version of your bill that you receive directly within Personal Online Banking

Yes, eBills are free.

Yes, eBills contain the same information and look exactly like your paper bills. The only difference is they are delivered conveniently to your Personal Online Banking account instead of your mailbox.

No, not all payees will have an eBill option.

Sign in to Personal Online Banking, and click the "Set up eBill" link under the payee name displayed on the Bill Pay screen and follow the online instructions.

If you enter an invalid user ID or password, you will be presented with an error message stating there was a credentials failure and a prompt to correct it. If it fails again, you will receive the same message again. The system does not have a limit on how many times a user can try this, but the biller may lock the customer out of their website.

If you are un-enrolled from their online banking or Bill Pay, all eBill relationships with their payees will be discontinued for the customer. Our system will send a notification to the payee that the customer should be removed from the eBill file. The customer will no longer have access to their eBill (unless they saved the electronic file to their computer) through online banking or Bill Pay. A customer may still have access to their previous bills through the payee's website. A customer will also be responsible for reinitiating their paper bill.

Yes, you can make changes or delete the auto-pay setup for an eBill.

We can take requests for eBill functionality, but we cannot guarantee it will be added to the list.

Yes, you can set up an alert to send you an email notification when your eBill arrives.

Since your eBill is available online at any time, you can always print off a copy, or you can visit your payee's website to view, save and print your bill.