MidFirst Checking Accounts

At MidFirst, we’ve designed our checking accounts to fit your lifestyle! MidFirst has the checking account to meet your needs, whether it’s avoiding a monthly fee, earning interest, or managing your account online. Access your MidFirst Checking account 24 hours a day, seven days a week, via Online Banking or ATM or by phone with MidFirst TellerPhone. All MidFirst deposit accounts are privately insured up to $250,000 per account by American Share Insurance (ASI).

E-Checking

This account is perfect for members looking for a basic checking account with no monthly fee!

• No minimum balance required*
• Dividends: No dividends paid
• Monthly Service Fee: None
• Other Features: Free MidFirst Online Banking access, online E-Statements**, no-charge VISA® Check Card*** with unlimited, free transactions at MidFirst ATMs****.

*Account must be funded at time of opening to cover cost of checks, if ordered. Direct Deposit required.
**Member must sign up for E-Statements by the end of the month in which their new E-Checking Account was opened; otherwise, they will receive paper statements and a fee of $3.95/month will be applied.
***Based on credit approval.
****ATM fees imposed by the network used and/or owners of non-MidFirst ATMs may apply. At non-MidFirst ATMs, a fee of $1.00 per transaction will be assessed in addition to any fees the ATM owner and/or network used may charge.

Value Checking

The MidFirst Value Checking account is a great fit for members who keep lower checking balances but want a "full-service" account.

• No minimum balance required
• Dividends: No dividends paid
• Monthly Service Fee: $3.95
• Other Features: Free MidFirst Online Banking access, free Online Bill Pay (a $4.95 monthly value), no-charge VISA® Check Card* with unlimited, free transactions at MidFirst, Non-MidFirst and Alliance One ATMs**.

*Based on credit approval.
**Members who had a First Value account prior to 07/02/07 must request this feature be added to their account. Otherwise, a $1.00 fee per transaction will be applied to each non-MidFirst ATM transaction that exceeds 6 per month. ATM fees imposed by the network used and/or owners of non-MidFirst ATMs may apply.

Preferred Checking

Designed for members who like to earn interest on their checking account funds, this account features three rate tiers.

• Minimum Balance: None
• Dividends: Calculated Daily, Paid Monthly
• Monthly Service Fee: No monthly service fees if minimum balance of $1,000 is maintained; $4.95/month if the account balance drops below $1,000 at any time during the month.
• Other Features: Free MidFirst Online Banking access, free Online Bill Pay (a $4.95 monthly value), no-charge VISA® Check Card* with unlimited, free transactions at MidFirst, non-MidFirst and Alliance One ATMs**.

*Based on credit approval.
**ATM fees imposed by the network used and/or owners of non-MidFirst ATMs may apply.

Classic Checking

MidFirst Classic Checking is a special account for members age 50 or older at the time of account opening. This account features three rate tiers.

• Minimum Balance: None
• Dividends: Calculated Daily, Paid Monthly
• Monthly Service Fees: None
• Other Features: Free MidFirst Online Banking access, free Online Bill Pay (a $4.95 monthly value), no-charge VISA® Check Card* with unlimited, free transactions at MidFirst, non-MidFirst and Alliance One ATMs**, no fees for MidFirst Classic checks***, notary service, Traveler's Cheques**** and Official Checks

*Based on credit approval.
**ATM fees imposed by the network used and/or owners of non-MidFirst ATMs may apply.
***Valid on basic MidFirst Classic checks. All other check designs will be billed at full price.
****Does not include Traveler's Cheque Cards.

Current Rates
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