Find the latest listing of MidFirst Bank promotions, bonuses, and offers here.
Update 2/16/26:
- There’s currently a $300 business checking bonus has been extended through 3/31/26.
- The $300/$350 checking bonus is now extended through 3/31/26.
MidFirst Bank Promotions Review
Established in 1911 as Oklahoma National Bank & Trust Company of Chickasha, MidFirst Bank got its current name in 1997 and is now headquartered in Oklahoma City. They now have more than 80 branches across Arizona, Colorado and Oklahoma.
I’ll go over MidFirst Bank offers below.
MidFirst Bank $350 Checking Bonus
- What you’ll get: Up to $350 bonus
- $350 bonus For Houston, TX residents (Expires 03/31/2026)
- $350 bonus For AZ residents (Expires 03/31/2026)
- $300 bonus For OK residents (Expires 03/31/2026)
- Availability: AZ, OK, TX (Bank Locator)
- Direct deposit requirement: Yes, $500
- Credit Inquiry: Soft Pull
- Monthly Fees: $6, avoidable
- Early Termination Fee: 90 days, bonus forfeit
- How to earn it:
- To receive $350, customer must open an eligible checking account and
- Have direct deposits totaling $1,000 or more made to their new account within 90 days of account opening.
- Credit will be made to new account within 30 days of meeting the checking requirement.
- To receive $300, customer must open an eligible checking account and
- Have direct deposits totaling $1,000 or more made to their new account within 90 days of account opening.
- Credit will be made to new account within 30 days of meeting the checking requirement.
- Use promo code 2026-CK-AO when opening your account to claim your offer.
- To receive $350, customer must open an eligible checking account and
| KeyBank Checking ($300 bonus) | SoFi Checking and Savings Account ($325 Bonus) |
| U.S. Bank Smartly® Checking ($450 Bonus) | |
Fine Print
- Account Information: $100 minimum deposit to open. Accounts closed within 90 days of opening may forfeit the amount equal to the promotional account credit received.
- Checking Offer: To receive $350, customer must open an eligible checking account and have direct deposits totaling $1,000 or more made to their new account within 90 days of account opening. Direct deposits must be electronic deposits of the account owner’s paycheck, pension or government benefits (such as Social Security). Electronic deposits made from one consumer account to another, such as Zelle®, PayPal®, Venmo® or small-dollar verification transactions, do not qualify. Credit will be made to new account within 30 days of meeting the checking requirement.
MidFirst Bank $250 Business Checking Bonus
- What you’ll get: $250 bonus
- Where it’s available: OK
- Direct deposit requirement: Yes, $500
- Credit Inquiry: Soft Pull
- Monthly Fees: $0-$15; waivable
- Early Termination Fee: 90 days, bonus forfeit
- How to earn it:
- Open a new Momentum Business Checking Account at any MidFirst banking center.
- Maintain a $7,500 average monthly balance.
- Your $300 will be deposited within 110 days.
(Expires 03/31/2026)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Chase Business Complete Checking® ($300 or $500 Bonus) |
| Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
| Axos Business Premium Savings ($600 Bonus) | Axos Bank Basic Business Checking ($200 Bonus) |
MidFirst Bank $25 Savings Bonus
- What you’ll get: $25 bonus
- Where it’s available: OK
- How to earn it:
- Open an iSave Savings Account with a $25 minimum deposit for your child
- Make 12 consecutive monthly deposits, which MidFirst Bank will match 50% of the average of your highest single deposit each month, up to $25 per year
(Limited time offer)
| CIT Bank Platinum Savings (3.75% APY). | Live Oak Bank Savings (3.80% APY) |
| SoFi Checking & Savings ($325 Bonus + 3.30% APY) | Harborstone Credit Union Money Market (3.85% APY) |
How To Avoid Monthly Fees
- LiveFree Checking: No monthly service charge with eStatements
- eChecking: $10 monthly fee. Maintain $250 monthly recurring direct deposit or $500 average daily balance
- M Account: $10 monthly fee. Maintain $250 or more monthly recurring direct deposit, a $1,000 minimum average daily balance or when you have $50,000 in combined deposits
- M+ Account: $15 monthly fee. Maintain $2,500 minimum average daily balance or when you have $50,000 in combined deposits
- Go! Checking: None
- Free Business Checking: None
- Performance Business: $20 monthly fee. Maintain average monthly ledger balance is $10,000 or if combined average monthly ledger balances in company’s checking, savings or money market accounts are $30,000 or more
- Business Advantage Checking: $90 monthly fee. Maintain combined monthly average ledger balance in company’s checking, savings and/or money market accounts falls below $100,000
- Commercial Checking: $20. Tiered earnings credit on balances may offset fees
- Commercial Checking Plus: $35. Tiered earnings credit on balances may offset fees
- IOLTA: None
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Author’s Verdict
To summarize, MidFirst Bank has some of the best promotions, bonuses, and offers in Oklahoma. They have great competitive rates and bonuses available, so be sure to take advantage of them while you still can today!
For more current offers, check out our bank bonuses page. Compare MidFirst Bank rates for CDs and Savings with our best rates for Savings and CD accounts.
Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
Editor Rating
I have the Midfirst Platinum credit card. I can tell you that using it fund a checking account from different bank will process as a normal purchase and not a cash advance. While the card has no annual fees. You will be charged a $10 fee if you call customer service to make your payment. If you pay through online banking, it’s free. It’s also impossible to get a credit line increase without a hard pull to your equifax credit report. I got the card 4 years ago with a $1000 limit and 670 equifax score. My score is now 787 and I have received no increases. I refuse a hard pull.