If you are interested in earning more money, you can find the latest MidFirst Bank promotions, bonuses, and offers here for Checking accounts.
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.
About MidFirst Bank Promotions
MidFirst Bank is a privately held bank offering a range of personal, commercial, trust, and mortgage banking products and services. This bank was formed in 1911 and there are 78 locations across 3 states.
I’ll review the current MidFirst Bank Promotions below.
MidFirst Bank $350 Checking Bonus *Direct Deposit Optional*
- 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)
- Account Type: Checking & Savings
- Availability: AZ, OK, TX (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Unknown
- Monthly Fees: $0-$15; waivable
- Early Account Termination Fee: 90 days, bonus forfeit
- Household Limit: One
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How to Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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.
- 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 $300 Business Checking Bonus
MidFirst Bank is offering a $300 bonus when you open a new Business Checking account with them and meet the eligible requirements.
- What you’ll get: $300 bonus
- Account Type: Business Checking account
- Availability: AZ, OK; in-branch only
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Unknown
- Monthly Fees: $0-$15; waivable
- Early Account Termination Fee: 90 days, bonus forfeit
- Household Limit: One
(Expires 03/31/2026)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How to Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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.
- Offer Information: New Momentum Business Checking customers may qualify for $300 by opening a Momentum Business Checking account and meeting certain requirements.
- To receive $300, the new qualifying account must be opened in Arizona, Oklahoma or Texas between 1/1/2026 and 3/31/2026 AND maintain an average ledger balance of at least $7,500 during the first 90 days.
- This offer is subject to change without notice and not valid with any other business checking, savings or money market offers.
- Limited to one promotional account per business relationship with no existing or previous MidFirst business checking account, and meeting offer requirements.
- Promotion offer not available to those whose MidFirst Bank accounts have been closed at any time with a negative balance.
- Account must remain open, active and in good standing at the time of account credit.
- Accounts closed within 90 days of opening may be subject to an account closing fee and will forfeit amount equal to the offer value.
- Qualifying account will receive promotional credit within 110 days from account opening.
- Account credits are considered interest and will be reported on IRS Form 1099-INT or applicable tax form.
- Account and related services are subject to the standard pricing per the Fee Schedules for Business and Commercial Checking Accounts, and Treasury Management and Online Banking Services.
- Additional fees may apply.
MidFirst Bank $25 iSave Savings Program Bonus
$25 iSave Savings Program Bonus
MidFirst Bank is offering a $25 iSave Savings Program Bonus when you join the iSave Savings Program for a fun opportunity for kids to learn the importance of saving and receiving a matching deposit!
- What you’ll get: $25 bonus
- Account Type: iSave savings account
- Availability: AZ, OK (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: 90 days, bonus forfeit
- Household Limit: One
(Limited time offer)
| FVCbank Advantage Direct Savings (4.00% APY) | SoFi Checking & Savings ($325 Bonus + 3.30% APY) |
| CIT Bank Platinum Savings (3.75% APY) | Live Oak Bank Savings (3.80% APY) |
| Harborstone Credit Union Money Market (3.85% APY) | |
How to Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open an iSave savings account is for anyone under age 17
- Make 12 consecutive monthly deposits, and MidFirst Bank will match 50% of the average of your highest single deposit each month, up to $25 per year!
- iSave Matching: The APY for this account can be found on our View Rates page.
- Minimum deposit to open account is $25.
- There is no minimum balance required to receive the match credit.
- Match credit is processed and received in the 13th month after 12 consecutive monthly deposits.
- For an example, please see the iSave Match Grid. Withdrawal and Transfer Limits: Transaction limitations apply in accordance with federal regulations.
- Federal regulations limit the number of withdrawals or transfers to six per month from any savings or money market account.
- Limited transactions include the following: checks, debit card purchase transactions, preauthorized payments to any third party, wires or funds transfers, Overdraft Protect transfers, online and mobile payments and telephone transfers.
- Federal regulations also require financial institutions to monitor these transaction types on savings and money market accounts, and either close or convert these accounts to an unlimited transaction account (e.g., checking account) when the number of transactions exceeds the limit of six per month.
- Transactions made in person at a MidFirst banking center or at a MidFirst Bank ATM are not limited.
How to Waive 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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Bottom Line
MidFirst Bank is a great bank option for new sign-up promotions when become available. This bonus is great because they have a soft pull, so your credit score is not affected. Additionally, you get access to a wide selection of account features and services.
Also, if you have experience with this bank, leave a comment below and let us know what you like/dislike about them.
MidFirst Bank provides great options for Checking, Savings, Money Market, and CD Account, however, you may want to compare with the nation’s best savings rates and CD rates.
Compare Midfirst Bank Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
*Check back at this page for updated MidFirst Bank promotions, bonuses and offers.
sorry, I am new here and a stranger to american banking term?mology. this offer is listed as “account credit” on their website, so does that mean the amount will be paid back to the bank? thank you.