Deal has ended, view more bank account bonuses by clicking here.
Update 11/16/21: There is also a $200 bonus that is available to all of OK.
Update 9/4/21: Deal is back and valid until12/31/2021. Also there’s a link in Tulsa OK this time. Hat tip to TJ
Offer at a glance
- Maximum bonus amount: $300
- Availability: Available to Arizona residents only
- Direct deposit required: Optional
- Additional requirements: See below
- Hard/soft pull: Soft
- ChexSystems: Yes
- Credit card funding: Unknown
- Monthly fees: $6, avoidable
- Early account termination fee: 90 days, bonus forfeit
- Household limit: One
- Expiration date: December 31st, 2019
Contents
The Offer
Direct link to offer (AZ) | Tulsa, OK | All OK ($200 bonus)
- MidFirst Bank is offering a bonus of $300 when you open a new checking account and complete two of the three following requirements:
- Set up a $250 minimum direct deposit
- Complete 10 debit card purchases
- Complete three Zelle® transactions on the MidFirst Bank Mobile Banking App
The Fine Print
- To receive the $300 checking offer two of the three requirements below must be completed within 90 days of new account opening:
- 1) Have direct deposit of $250 or more made to the new account. The direct deposit must be an electronic deposit of the account owner’s paycheck, pension or government benefits (such as Social Security).
- 2) Complete 10 debit card purchases. Multiple swipes for the same purchase amount at the same merchant do not qualify, and ATM transactions are not eligible.
- 3) Complete 3 Zelle transactions on the MidFirst Bank Mobile Banking App. Zelle transactions conducted in another banking application are not eligible.
- Promotional offer available in Arizona only, and is not available to those whose accounts have been closed within one year or closed with a negative balance.
- Existing MidFirst Bank checking customers are not eligible for the checking offer.
- Must be age 17 or older.
- Promotional offer valid for accounts opened 9/1/2019 through 12/31/2019.
- Promotional offer subject to change without notice and is not valid with any other promotional offers.
- Account must be open and in good standing to receive an account credit.
- The applicable credit will be made to the eligible customer’s checking account within 30 calendar days following completion of all requirements.
- Account credits are considered interest and will be reported on IRS Form 1099-INT (or applicable tax form).
- One new promotional account per household.
- Offer must be mentioned at account opening to qualify and all accounts are subject to approval.
- Go! Checking, Sun Devil Checking, and Sun Devil Solution Checking accounts are not valid for this offer.
- Account Closing: Accounts closed within 90 days of opening may forfeit the amount equal to the promotional account credit received.
- Sweepstakes: Terms and conditions apply.
- Click here today for official rules and alternate entry methods.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
The M checking account required for this bonus has a $6 monthly fee, this is waived with a $250 or more monthly recurring direct deposit or $1,000 minimum average daily balance
Early Account Termination Fee
Account must be kept open for 90 days to avoid any early account termination fee.
Our Verdict
Previous bonuses have been for $200 but this required opening an account in branch. This is a better deal as the account can be opened online and it’s for an extra $100. There is usually a smaller offer for those in OK as well, but I can’t seem to find that currently. In terms of this offer itself, this is a fantastic deal and well worth doing – especially as no direct deposit is required. I’ll be adding this to our list of the best bank account bonuses.
Hat tip to reader Sam L
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
This one was a doozy, but I was finally able to get this bonus for myself and P2 OOS. I am not sure of which DD method I used actually triggered the bonus since some of them I did after the 90 day timeline. Not sure if this bank gives a grace period or anything. I chose the method of opening a Vio savings account (open to anyone nationwide) before opening this account to qualify.
P2 and I have fairly similar timelines:
12/16 – Opened Midfirst Live Free checking online with Vio account number and balance, app went pending waiting for trial deposits to external bank account for initial deposit (P2 opened 12/23, same household address)
2/28-3/17 – Made 10 debit card transactions, a combo of payments to online rent account and Amazon reloads, making sure all transactions were of varying amounts
3/16 – $250 Astra DD posted
3/17 – $250 Schwab brokerage DD posted
3/18 – $250 Wise “Payroll” DD posted
3/22 – $200 bonus posted
Not sure if I will close the account yet since it’s free, and since the 90 days are up, so no early termination fee for me. Lots of problems with this account with getting the online banking set up, I had to call in for that. I even had to call them to order my debit card.
I would have sent some Zelle transactions, but for some weird reason, when I downloaded their app, the Zelle option was not there for me. Maybe it’s just on some versions of their app, or they disabled it on my account for some reason? This bank doesn’t seem to want to communicate with customers via secure message.
Maybe I’ll close this account to see if the bonus is churnable if it comes around again. I actually signed up under the $300 Tulsa offer but only got $200. I will not call in to request the extra $100 since I didn’t do a real DD, and they may just reject me anyway.
12/20 – opened Vio savings for P2
12/23 – opened MidFirst account for P2 via Tulsa link with OOS address
12/24 – $250 real DD (Brex)
1/7 – 1x Zelle transaction
1/10 – 2x Zelle transactions
1/11 – $200 bonus posted
Many thanks to @DJ8014 and @MOTDOC for the DPs on the Vio savings route for those that are OOS. The household limit does not appear to be enforced.
chex sensitive?
i hope they dont mail it to the OOS state I entered cuz if any personal info are on it… then GG
Notice Date: December 21, 2021
Notice of Adverse Action
We regret to inform you that we cannot open an account for you today. This decision was influenced by information received from a consumer-reporting agency. The reporting agency did not make the decision to deny your account application and is unable to provide you with specific reasons why this decision was made.
You have a right under state and federal laws to know the information contained in your file at the consumer reporting agency, including:
You have a right to a free copy of your report from the reporting agency if you request it no later than 60 days after you receive this notice.
If you find that any information contained in the report you received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency including:
You can find the information contained in your file by contacting:
Chex Systems, Inc
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125
Phone: 800-428-9623
Fax: 602-659-2197
http://www.consumerdebit.com
Thank you for your interest in MidFirst Bank. If you have any questions regarding your consumer report, you should contact the consumer-reporting agency using the information above.
P2 and I opened accounts using

DJ8014’s method of first opening Vio accounts. Of note, for the first few days we could see the MidFirst account when logging into online and mobile banking on Vio, but then it went away. Moral of the story: write down your MidFirst account number (or make the initial deposit from Vio) so that you can create a separate login for MidFirst.
Accounts opened: 11/10/21
Real DD: 11/30/21
Zelles: 11/30, 12/1, 12/2
Received $200 bonuses: 12/14 (that’s the posted date; MidFirst emailed us on 12/15)
I sent a secure message like

mothman69 did, but the CSR responded “Thank you for your email. The $300.00 Fall Checking promotion is only available to new customers that open an account within the Tulsa and Arizona market. Accounts opened outside of that market are only eligible for the $200.00 promotional credit. If there is anything else we can assist you with, please call 888-643-3477 and choose option 0 to speak with a personal banker who may assist you. We are available Monday through Friday, 7 a.m. to 9 p.m.; Saturday, 8 a.m. to 6 p.m.; and Sunday, noon to 4 p.m. (All times Central Time). Thank you again for contacting MidFirst Bank.”
I have a long drive ahead of me on Friday, so I may call then, but the terms of the promotion also say only one per household (which I didn’t notice until after starting the process), so we’re already $100 ahead anyway.
In Arizona. They wouldn’t allow online opening. Told to review my input info carefully if I wanted to try again. I collected a bonus in 2020 and closed that account in Nov 2020. Maybe not churnable?
Applied OOS Using OK Zip Code and Real Mailing Address
$300 Promotion Screenshots
9/19/21 Account Opened
10/31/21 Service Charge $4 (Forgot to Enroll in eStatements Prior To Fee)
11/3/21 Completed 10+ Debit Card Purchases
11/15/21 Completed 3 Zelle Transactions on Mobile App to P2
11/16/21 ** Only $200 Promotion Posted **
11/16/21 Sent Secure Message to Support Regarding Missing $100
11/22/21 Support Said To Expect Missing $100 Within 7-10 Business Days
11/30/21 ** Remaining $100 Promotion Posted **
P2 Unsuccessful in Opening Account Using Same Method
People that have gotten bonus, did you get emails letting you know about your progress and when you actually got bonus?
Just got the bonus on 11/16. I think the Discover push on 11/8 triggered the bonus.
You’re welcome! It’s coded as “ACH DEPOSIT DISCOVER BANK PREARRANGE”
Thank you L! My WF push is coded the same way. Hopefully it works!
Well, I just double checked and the coded description is not exactly the same as yours….
Hopefully I receive the bonus… Otherwise I will have to request a debit card and make the 10 transactions.
Completed on: 12/01/2021
Description: ACH DEPOSIT WELLS FARGO IFI DDA TO DDA XXXXX
Amount: $250.00
Transaction type: DEPOSIT
How much more time do you have before 90 days are up?
I’d give it about 10 business days after deposit has posted before I’d go that route imo.
Can anybody share data points of DD? Wondering if pushing from Wells Fargo checking count as DD
I pushed with Discover and Chase about 5 business days. Still waiting…
I’m OOS but am in Phoenix for work. I stopped by the branch, and they denied me because of Chex. They were the 19th in 6 months, 28th in the last 12 months
Quoting myself… “I’m in WI. I already had an existing Vio Bank (a division of MidFirst) savings account (which has, btw, been a very useful account for ACH transfers) . [On 9/16], I was able to use that savings account, via the Tulsa, OK bonus link, to open a LiveFree checking account. It was pretty painless. Now, they may ultimately close my account and/or not pay the bonus, and YMMV, but it may be a “backdoor” to this bonus for those out of the footprint, like me.”
This appears to have worked, but I wound up with the $200 OK-statewide bonus, rather than the $300 Tulsa-specific bonus. I made three small ($1, $2, $3) Zelle transactions (in the MidFirst app) to another bank on 9/16, and a real DD of $250 on 10/8, and today (10/12) the $200 bonus posted as in-process “PROMOTIONAL CREDIT 2021 FALL CHK PROMOTION”
Oh, and I should add – Vio Bank accounts are available to anyone, nationwide.
I should add, Vio Bank savings accounts (which I used to initially open the checking account from out of state) are available to anyone, nationwide.