Payroll FAQs

No, your payroll card is not a credit card. You may only spend the funds available on the payroll card.

Yes and no – like a debit card, you may only spend available funds. However, unlike a debit card, you do not have a checking account associated with the card.

Yes, you do need to activate your payroll card. You can do so by calling 800.710.4795. You will need your PIN in order to complete the activation process.

Your initial PIN will be mailed to you separately from your payroll card. You will need to use your initial PIN to activate your card. Upon activation, you may change your PIN online at midfirst.com. Click "Select an Online Banking System" and select "Payroll Card – Employee." NOTE: The first time you sign in, the online system will prompt you to establish a user ID and password, then follow the instructions on the screen. Upon logging in, select the "Change Card PIN" link. You may also change your PIN by calling the phone number on the back of your card (800.710.4795).

You may access your card balance and transaction history online at midfirst.com. Click "Select an Online Banking System" and select "Payroll Card – Employee." NOTE: The first time you sign in, the online system will prompt you to establish a user ID and password, then follow the instructions on the screen. You may also call the phone number on the back of your card (800.710.4795) for assistance.

No, you will keep the same payroll card and your employer will add funds to the card each applicable pay period.

Ask your employer for your paystub, or you may call the phone number on the back of your card. You may also access your card balance and transaction history online at midfirst.com.

Be sure to maintain a record of the amount of your payroll deposit and deduct each purchase and cash withdrawal. You may obtain a register for this purpose at any MidFirst banking center. You may obtain your current balance and transaction history at any time by calling the number on the back of your card, or online at midfirst.com. You may also check your available balance by performing a balance inquiry at an ATM. You will not be charged a fee when you use a MidFirst ATM. However, you are subject to a fee at a non-MidFirst ATM (see Payroll Card Fee Schedule).

Your payroll card may be used in the same manner as a debit card at an ATM. Follow the instructions to insert your card and enter your PIN, and proceed with your transaction. If you are prompted to select whether you wish to withdraw funds from a checking or savings account, you should always select "Checking." NOTE: You will not be charged a fee when you use a MidFirst ATM. However, you are subject to a fee for using a non-MidFirst ATM (see Payroll Card Fee Schedule). The owner of the non-MidFirst ATM may also charge a fee, which will be disclosed before the transaction is completed. You may decide to accept the fee and continue the transaction, or cancel the transaction.

You will not be charged a fee when you use a MidFirst ATM. However, you are subject to a fee for using a non-MidFirst ATM (see Payroll Card Fee Schedule). The owner of the non-MidFirst ATM may also charge a fee, which will be disclosed before the transaction is completed. You may decide to accept the fee and continue the transaction, or cancel the transaction.

Use your card anywhere Visa® is accepted.

No, you will not be charged a fee to make a purchase at merchants that accept Visa® for point-of-sale (POS) transactions.

Yes and you may be prompted to enter the three-digit security code on the back of the card to provide additional security.

Yes, MidFirst Bank provides continuous fraud monitoring of your card. Additionally, your card is protected by Visa's Zero Liability policy, so you will not be liable for unauthorized transactions. NOTE: Visa's Zero Liability policy does not apply to ATM transactions or PIN transactions not processed by Visa. You must notify MidFirst Bank promptly of any unauthorized use.

No, you may not access more than the available balance on your card.

Usually, a purchase cannot be made for more than the amount available. Occasionally, a merchant will settle a transaction for an amount greater than the authorization obtained or after an authorization hold has expired, resulting in a negative balance. Your next payroll deposit will be applied to any negative balance. Negative balances, along with possible fees, may be avoided by keeping track of your available balance.

No, keep your card and the card number under your control at all times. Do not tell anyone your personal identification number (PIN) or write your PIN on the back of your card.

No, only your employer may add payroll funds to your card. This may include your regular pay amount, as well as overtime or bonuses.

You may call the number on the back of your card (800.710.4795) 24 hours a day, seven days a week. You may follow the recorded instructions or speak with a customer service representative.

Yes, the expiration date is clearly embossed on the front of the card and you will be issued a new payroll card in advance of expiration. The card number will remain the same.

No, payroll cards do not have any dormancy or inactivity fees.

Yes, payroll cards have a monthly fee of $2.

If your payroll card is lost or stolen, contact your employer as soon as possible to request a replacement card. A $10 replacement fee may be deducted from the remaining balance on the payroll card.