Posted by William Charles on June 20, 2016
Bank Account Bonuses

Published on June 20th, 2016 | by William Charles


[Expired] MidFirst Bank $150 Checking Promotion [OK, Tulsa & Stillwater only]

Offer has expired, but there is a new offer that can be found here.

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Offer available in Tulsa and Stillwater area banking centers only
  • Direct deposit required: Optional
  • Additional requirements: Yes, see below
  • Hard/soft pull: Soft
  • Credit card funding: Unknown
  • Monthly fees: $6-$12
  • Early account termination fee: Bonus will be taken back if closed within 90 days of account opening
  • Expiration date: August 31st, 2016

The Offer

Direct link to bonus

  • Receive a sign up bonus of $150 when you open an M checking account from MidFirst bank and mention the promotional code Tulsa150-2015. You also must complete two out of the following three requirements to earn the $150 bonus within 75 days of account opening:
    • Set up a $250 minimum monthly recurring direct deposit into new checking account
    • Complete 10 check card purchases with your MidFirst Check Card. Multiple swipes for the same purchase do not qualify. ATM transactions are not eligible
    • Open a new consumer savings or money market account. Savings and money market accounts may be opened with $100; however, to avoid the monthly maintenance fee, you must maintain the following average balance per statement cycle: $250 average balance to avoid the $2 fee on Performance Savings, $200 average balance to avoid the $2 fee on Company Club or Broncho Select Club Savings, $5,000 average balance to avoid the $10 fee on Titanium Money Market and $10,000 average balance to avoid the $15 fee on Premium Savings. iSave Kids Club and iS2 accounts are not eligible accounts for this offer

mid first bank

The Fine Print

  • One new promotional account per household
  • Minimum opening deposit of $100
  • Bonus will be received within 90 days of account opening
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

M Checking $6 Monthly Fee

M Checking has a monthly fee of $6, this is waived if you have direct deposits totaling $250 or more per month or a minimum balance of $1,000.

M+ Checking $10 Monthly Fee

M+ Checking has a monthly fee of $10, this is waived if maintain a minimum daily balance of $1,500

Savings Accounts

The easiest saving account to keep fee free is the Performance Savings, the iSave Savings Program does not qualify for this bonus.

The performance savings account comes with a monthly fee of $3 which is waived as long as you have a balance of $250 or more.

Our Verdict

Pretty good bonus, monthly fees aren’t too hard to waive, shame about the small footprint on the offer though. They have offered bonuses of $100 and $200 in the past with the same requirements, so this is somewhere in the middle.  I’d recommend people sign up for this offer if they live within the footprint. As it stands we haven’t added it to our recommend bonus page, but it has been added to our master list of all banking account bonuses.

Hat tip to reader Chris

10 Responses to [Expired] MidFirst Bank $150 Checking Promotion [OK, Tulsa & Stillwater only]

  1. Sarah says:

    Midfirst is offering a $150 bonus for opening a checking account in AZ from 9/1/15 through 12/31/15. Meet 2 of 4 requirements to waive the monthly fee. Full details here:

  2. Matt says:

    MidFirst seems to run this promotion every few months. I have received two mailers on it this year. I signed up last month, and it was not a hard pull for me. I opened a savings account, and I did an Ally $500 transfer to the M Checking account and it triggered the reward.

    • Could you fund with a credit card?

    • Do you have the link from the current promo?

      • Matt says:

        The current promo link is It appears that link can only be viewed if you are in the region though, so you may need to try to VPN to see it. It says it runs until August 31, 2016, but this is the third or fourth extension of it that I have seen. I talked to a MidFirst banker about this, and he told me that Bank of Oklahoma currently dominates the Tulsa market and MidFirst is trying to gain market share. So while it is never guaranteed, this promo could keep being renewed until they feel they have enough customers. Also, this is the first time they have had a real splash page for the promo; before they only sent mailed flyers.

        The account has to be opened in-branch. The account opening was not a hard pull for me. I do not know how to check soft pulls, but the banker made no mention of any sort of credit check.

        While I did not explicitly ask to fund the account with a credit card, the banker told me I needed to deposit $100 in cash to open an account for it to qualify in the promo. I did not have that much cash on me, and I had to use their ATM to get it out (thanks to Ally for ATM refunds, though the banker also offered to pay me back for the ATM fee himself).

        As I said, a transfer from Ally of $500 to my M Checking account triggered the bonus after I had opened a Performance Savings account alongside the checking account, since two of four options are required for the bonus. Their language says a “recurring” direct deposit is required, so I do not know yet if they will clawback the bonus if I don’t make another transfer next month.

        As an additional data point, one of my /r/churning buddies in OKC had a meeting with one of the bankers there and got approval to deposit large amounts of MOs after he explained his reason for doing so (MS). I have not tried that here, but the bankers are all very friendly and personable, so it may be a good bank for MS activity after establishing a relationship with them.

  3. Thomas says:

    Signed up for the promotion today. The banker stated there were 4 options which could trigger bonus by only 2 have to be met.
    The requirements are the three that’s listed above and the 4th is to sign up and get approved for their credit card.

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