MidFirst Bank: A Comprehensive Review of Banking Products and Services

MidFirst Bank has been a reliable banking option for individuals and businesses in Oklahoma and beyond. With a long history dating back to 1901, it's no surprise that they've built a reputation for stability and customer satisfaction.

Their banking products include a range of checking and savings accounts, as well as CDs and IRAs. These options cater to various financial needs and goals, whether you're saving for a short-term goal or planning for retirement.

One notable aspect of MidFirst Bank's services is their online banking platform, which allows users to manage their accounts, pay bills, and transfer funds with ease. This convenient feature has streamlined banking for many customers.

With a network of over 60 branches and 100 ATMs, MidFirst Bank provides ample access to their services, making it easy to bank on the go.

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MidFirst Bank offers a range of apps and features to make banking convenient and accessible. The MidFirst Bank mobile app allows users to manage their accounts, pay bills, and transfer funds on the go.

With the app, you can track your spending and stay on top of your finances. The bank also provides a mobile deposit feature, allowing you to deposit checks remotely.

The app is available for both iOS and Android devices, making it easy to access your accounts from anywhere.

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The app experience can be a real mixed bag. The MidFirst app is a great example of this, where the user interface is described as "even for 1995" and has "no rhyme or reason" to its menus.

Banking with MidFirst is a different story altogether, with customers praising the "first rate" treatment from their bankers. This boutique-like experience is a breath of fresh air in an industry where employees are often seen as uncaring or inexperienced.

The app's desktop version is just as baffling, making it a frustrating experience for users. It's been years since the bank started working on an update, but it still hasn't materialized.

MeridianLink Consumer & Portal is a flexible workflow solution that can better support customers and evolve alongside a bank's growth. This solution provided a user-friendly interface and robust automated features that improved decision-making and funding times.

MidFirst Bank selected MeridianLink Consumer and MeridianLink Portal to improve their workflow. The result was a more efficient application pipeline that allowed customers to move through it more quickly.

The solution also included growth-oriented tools that helped staff focus on value-added tasks. This shift allowed staff to dedicate more time to customers and improve overall service.

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At MidFirst Bank, you'll find a variety of banking products to suit your needs. They offer Savings Accounts, Checking Accounts, Money Market Accounts (MMAs), Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs).

Their Savings Accounts are a great place to start building your nest egg, while their Checking Accounts provide the flexibility you need for everyday transactions. Money Market Accounts (MMAs) offer a higher interest rate than traditional savings accounts, making them a smart choice for those looking to grow their savings over time.

Here are the banking products offered by MidFirst Bank:

With MidFirst Bank, you can access your money easily and securely. Your debit card is the simplest way to spend the money in your MidFirst accounts, either via purchases or ATM withdrawals.

You'll need to remember your PIN number, as it pulls the money from your account in exactly the same way that a credit card would be charged.

You can also add your debit card to a virtual wallet like Apple Pay, Google Pay, or Samsung Pay for added convenience.

Online bill pay allows you to set up automatic payments directly from your account, making it easy to stay on top of your finances.

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To open an account with MidFirst Bank, you can complete an online application if you're located in Arizona, Oklahoma, or Colorado.

The online application process is secure, thanks to the bank's security measures.

You'll need to bring your Social Security number, a U.S. government-issued ID, and the minimum opening deposit for your new account.

The M Checking Account at MidFirst Bank is a great option for those who want a traditional checking account. It's non-interest bearing, meaning you won't earn any interest on your balance.

To open an M Checking Account, you'll need to deposit at least $100. You'll also have access to your account through branches, online, mobile, and ATMs.

The account comes with a $10 monthly service fee, unless you're 60 or older, in which case the fee is $5. But don't worry, you can have this fee waived by maintaining an average daily balance of $1,000 or receiving $250 or more in direct deposits every month.

Here are the key details about the M Checking Account:

If you're looking to open an account with MidFirst Bank, you're in luck because they have a large presence in the US. With around 80 branches, you'll have plenty of options to choose from.

You can find MidFirst Bank branches in Oklahoma and Arizona, which account for the vast majority of their locations.

Colorado and California also have a few branches, so you might be able to find one in your area.

You can open an account with MidFirst Bank by completing an online application, which is the most effortless way to do so.

To apply online, you must be located in Arizona, Oklahoma, or Colorado, as these are the only states where this option is available.

You can also open an account by calling the bank directly to process your application.

If you prefer a more personal touch, you can visit a branch in person.

To open an account in any of these ways, you'll need to bring certain documents, including your Social Security number, a U.S. government-issued ID, and the money necessary to cover the minimum opening deposit.

It's a good idea to have these documents ready before you start the application process to make things go smoothly.

MidFirst Bank offers a physician mortgage loan program that's worth considering. This program is designed specifically for physicians, with competitive rates and relaxed underwriting standards.

One of the benefits of MidFirst Bank's physician mortgage loan is the low minimum down payment requirement of 0%. This can make it easier for physicians to purchase a home with minimal upfront costs.

The bank's physician mortgage loan is available in several states, including Arizona, Colorado, Oklahoma, and Texas. However, it's not clear if residents or fellows are allowed to participate in the program.

MidFirst Bank's physician mortgage loan offers competitive rates, but the maximum loan amount is not disclosed. This means physicians will need to check with the bank directly to determine if they qualify for a loan.

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In addition to its physician mortgage loan, MidFirst Bank offers a range of other financial products and services, including checking accounts, savings accounts, and private bank credit cards.

Here are the key details of MidFirst Bank's physician mortgage loan program:

Overall, MidFirst Bank's physician mortgage loan program is worth exploring for physicians who are looking for a competitive loan with relaxed underwriting standards.

MidFirst Bank is a solid choice for customers who want to grow their finances. Its minimal monthly fees and good interest rates make it a valuable option.

If you can afford to deposit a solid amount of money with the bank, you'll find the interest rates get even better. This means you can earn more on your savings over time.

The bank's savings and money market accounts (MMAs) are worth considering, as they offer a good combination of low fees and decent interest rates.

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