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FAQs - Mobile Banking

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Mobile Banking

Downloadable App

Q: What is the MidFirst Bank Mobile App?

A:

MidFirst Bank Mobile App gives you access to your banking account(s) from your iPhone, iPad, Android phone, Android tablet or Kindle Fire through a downloadable mobile banking application. It allows you to: view account balances, search account activity, transfer funds, pay bills and deposit checks.

Q: I have an iPad 1, can I use the MidFirst Bank Mobile App?

A:

No, the iPad 1 is not supported on the MidFirst Mobile Banking App due to the higher iOS requirement and memory space needed to run our App.

Q: How much does this service cost?

A:

There is currently no charge associated with the service. However, there may be charges associated with data usage on your phone or device. Check with your wireless phone carrier for more information.

Q: Do I need a data plan?

A:

Yes, a data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

Q: I'm not enrolled for iManage Personal Banking. Can I still use this?

A:

No, you must enroll in iManage Personal Banking prior to using the MidFirst Bank Mobile App or MidFirst Bank Mobile Deposit.

Q: What if an account is not listed in MidFirst Bank Mobile Deposit?

A:

In most cases, eligible accounts will automatically be available for MidFirst Bank Mobile Deposit after you log in to the app. All accounts which meet the requirements are available.

Q: What is my User ID and/or Password?

A:

Your User ID/Password is the same as your iManage Personal Banking ID/Password.

Q: What if I do not remember my User ID or Password?

A:

Please call 1.888.643.3477 option 6 to speak with an online banking specialist.

Q: Can I save my User ID on the device?

A:

Yes, the mobile application allows your User ID to be saved. When logging into MidFirst Bank Mobile App, you may save your User ID by selecting “On” when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to “Off.”

Q: Do I have to accept the MidFirst Bank Mobile App Terms and Conditions?

A:

Yes. You must agree to the MidFirst Bank Mobile App Terms and Conditions in order to use the service.

Q: Can I use MidFirst Bank Mobile app on more than one device?

A:

Yes, simply download the app on to another iPhone, iPad, Android phone, Android tablet or Kindle Fire.

Q: What types of checks can I deposit with MidFirst Bank Mobile Deposit?

A:

Most domestic checks may be processed through MidFirst Bank Mobile Deposit.  We are unable to accept Money Orders, Foreign Items, Savings Bonds, or Third Party Checks through the MidFirst Bank Mobile Deposit.

Q: Are there any limits on the dollar amount of deposits I can submit?

A:

Yes.  There is a daily limit of $5,000 and a monthly limit of $10,000. For details please review the MidFirst Bank Mobile App terms and conditions.

Q: Do I photograph both the front and the back of my check?

A:

Yes.  During the deposit process, you will be required to photograph the front and back of your check. The MidFirst Bank Mobile Deposit will step you through the process.

Q: How do I endorse my check for MidFirst Bank Mobile Deposit?

A:

You should sign your check with the following endorsement:
For Deposit Only
MidFirst Bank
Your Account Number
Your Signature

Q: How will I know if MidFirst received my deposit?

A:

You will receive an email notification when your deposit has been received.

Q: How will I know if MidFirst processed my deposit?

A:

When your deposit is processed, you will receive a second email notification on the status of your deposit.  This email will indicate if the deposit was approved or declined for processing.  If declined, a reason will be provided.

Q: When will my deposit post to my account?

A:

Deposits may be made with MidFirst Bank Mobile Deposit at anytime.  If your deposit is approved by MidFirst before our Monday-Friday cutoff time at 8:00 PM Central time, your deposit will post to your account on the next business day.  Funds availability may be limited under certain conditions.  Please refer to the Terms and Conditions for more information.

Q: How will a mobile deposit reflect on my account transaction history?

A:

Any deposit through the mobile application will be labeled as “Mobile Deposit” on both the online account transaction history and your bank statement.

Q: When will a deposit made through MidFirst Bank Mobile Deposit show in my balance?

A:

Example:  For most deposits, the balance will be available the next business day.  Once the deposit has been approved, you will receive an email notification.  We may delay the availability of your deposit by placing a hold on this check. If we do, we will notify you by mail. Please reference your Account Agreement for more information. Once the deposit has been approved, you will receive an email notification.

Q: Can I photograph more than one check at a time?

A:

You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.

Q: What if the check image I photographed is bad?

A:

You have the option to retake photographs of the check before submitting or you may cancel the deposit.  Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take or mail your deposit to a MidFirst Banking Center for processing.

Q: Do I destroy my check after I photographed the deposit?

A:

No, you must retain the check for 15 business days from the date when it was deposited through the mobile app.  You will mark each imaged item as “electronically presented” or “scanned” after it is transmitted to MidFirst.  Afterwards, you may securely destroy the check.  Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted. Please refer to the Terms & Conditions for the Mobile Deposit for more information.

Q: Will my deposited check be available in transaction history?

A:

Yes, after the deposit has been processed, you may view your transaction history in MidFirst Bank Mobile.

Q: Can I make my opening account deposit through MidFirst Bank Mobile Deposit?

A:

No, at this time the MidFirst Bank Mobile Deposit functionality cannot be used to initially fund a new account. It is only for established account holders.

Q: How long after opening an account may I start using MidFirst Bank Mobile Deposit?

A:

You may start using MidFirst Bank Mobile Deposit once your account has been active for 60 days.

Q: What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

A:

No, you do not need to resubmit your deposit.  If you entered the wrong amount for the deposit, bank operations will correct error. The correction will be noted in the email confirming the deposit.

Q: What if I submit the same deposit twice in error?

A:

If the same deposit is submitted twice, it will be identified and corrected during account processing.  Should this occur, you will receive a declined deposit notification for the second deposit received through the MidFirst Bank Mobile Deposit service.

Q: A check I submitted was returned, can I resubmit it?

A:

If a deposit is returned, please do not re-deposit the check within the MidFirst Bank Mobile Deposit App.  You will receive written communication from MidFirst through the US Postal Service if a deposit is returned.

Q: Am I able schedule bill payments through the MidFirst Bank Mobile App?

A:

Yes, you will be able to schedule bill payments – as long as the payee has been previously set-up through your iManage Personal Banking account. You cannot establish new payees using the MidFirst Bank Mobile App.

Q: Can I set-up a new bill payee through the MidFirst Bank Mobile App?

A:

No, at this time all new bill payees must be set up through your iManage Personal Banking account from your home or office computer. 

Q: My phone has been lost or stolen, and I had the MidFirst Bank Mobile app on my phone. What do I need to do?

A:

Please call 888.643.3477, option 6. MidFirst will be able to deactivate your mobile bank app if your phone has been lost or stolen.

Q: If I need additional information on MidFirst Bank Mobile Deposit, who may I call?

A:

For additional assistance, please call 888.643.3477, option 6.

mobile.midfirst.com

Q: What is Mobile Banking?

A:

Mobile Banking is access to your banking information through your web-enabled mobile device.

Q: What is the Mobile Banking URL?

A:

The Mobile Banking URL is mobile.midfirst.com

Q: How do I access MidFirst Bank’s Mobile Banking?

A:

To access Mobile Banking, simply set up an online user ID and password in iManage Personal Banking®. Then using your mobile device with an Internet connection, enter mobile.midfirst.com into the browser and log on.

Q: Which mobile devices are supported for Mobile Banking?

A:

Any device with an Internet connection will work, including mobile phones and tablets such as a Wireless Application Protocol (WAP) phone, Blackberry, Windows or Samsung Phone. Our MidFirst Mobile Banking App is available for iPhone, iPad, Android phone, Android tablet and Kindle Fire devices.

Q: Does MidFirst Bank charge a fee for Mobile Banking?

A:

No, our Mobile Banking service is free; however,  wireless carrier charges may apply for Internet minutes used. Please refer to your wireless and/or Internet plan to determine the cost of using the Internet through your wireless device.

Q: How do I know if my mobile phone is web enabled in order to use Mobile Banking?

A:

If you have a browser (i.e. Safari, Chrome, etc.) listed on your phone's main menu, then it is likely web-enabled. Call your carrier to confirm the service is activated.

Q: Can I use Mobile Banking without a MidFirst Bank account?

A:

Yes, without a MidFirst account, you may view our banking center and ATM locations.

Q: How do I enroll in Mobile Banking?

A:

To enroll in Mobile Banking, simply set up an online user ID and password in iManage Personal Banking®. Then using your mobile device with an Internet connection, enter mobile.midfirst.com into the browser and log on.

Q: What services does Mobile Banking include?

A:

Services with Mobile Banking include viewing account information such as balances and transaction history, transferring funds between linked accounts, making payments to payees established in iManage Personal Banking® and locating a MidFirst banking center or ATM.

Q: Can I change my account nickname for Mobile Banking?

A:

Yes, log in to iManage Personal Banking® and select “Customer Service,” then “Customize your Accounts.” From there, you may change the account description and select “Submit.” Changes made to account nicknames will be reflected in the next Mobile Banking log in.

Q: Can I use multiple phones to access my Mobile Banking accounts?

A:

Yes, but you may be asked to verify your identity with all devices that have not been registered.

Q: May a joint account holder have Mobile Banking?

A:

Yes, a joint account holder can use their iManage Personal Banking® user ID and password.

Q: What happens if I lose service while paying a bill or transferring funds while using Mobile Banking?

A:

If you lose service while using Mobile Banking, log in to Mobile Banking again to verify your bill payment or transfer processed, or if you need further assistance, contact iManage Personal Banking Support at 888.MIDFIRST (643.3477) and press option 6 to speak with an Online Specialist.

Q: How do I know if my transfer using Mobile Banking was successful?

A:

When completing a transfer while using Mobile Banking, you should receive a success or failed message. If you did not receive a message, please check your transaction history - successful transfers should be reflected immediately.

Q: How do I know if my bill payment was successful while using Mobile Banking?

A:

Using Mobile Banking, go to "Bill Pay" and select “Recent”– all recent successful payments will be viewable.

Q: Whom do I call for Mobile Banking support?

A:

For Mobile Banking support, contact iManage Personal Banking Support at 888.MIDFIRST (643.3477) and press option 6 to speak with an Online Specialist.

Q: How do I add or remove Bill Pay payees through Mobile Banking?

A:

For security purposes, you will not be able to add or delete payees through Mobile Banking. To add a payee, log in to iManage Personal Banking®, go to  “Pay and Transfer” and make the appropriate changes.

Q: How secure is Mobile Banking?

A:

Our Mobile Banking service is encrypted using the Wireless Transport Layer Security protocol, the highest level of security available. In addition, all data that passes between MidFirst Bank's web servers is encrypted using the Secure Socket Layer.

Q: How do I transfer Mobile Banking to a new mobile device?

A:

MidFirst Bank suggests you delete the browsing history on the old mobile device before being recycled or disposed to ensure any personal information is deleted. You should then visit mobile.midfirst.com with the new mobile device and log in with your iManage Personal Banking® user ID and password. Please remember that MidFirst Bank’s Mobile Banking does not store account data on the mobile device.

Q: Will my account information reside on my phone from using Mobile Banking?

A:

Mobile Banking does not store account information on your mobile device.

Q: Can I safely recycle or dispose of my mobile device when I get a new one if I’ve used Mobile Banking?

A:

Yes, we suggest you reset your phone to its original factory settings as a security precaution and then proceed to recycle or dispose of your old mobile device.

Q: Why is Mobile Banking not accepting my login?

A:

Passwords are case sensitive, so make sure you are entering your login password exactly as you set it up. If your password begins with a lowercase letter, you may need to use your phone's shift key to change the default and some phones require extra shift key presses to enter numbers instead of letters.

Q: Why can’t I see the first few transactions of my account history while using Mobile Banking?

A:

A limited amount of account history information can be displayed on a mobile phone screen. Scroll up to make sure you are at the top of the page and to view recent transactions.  

Q: What are the requirements for Mobile Banking?

A:

No requirements, you can access Mobile Banking from any web-enabled mobile device.

Apple Pay

Q: What is Apple Pay?

A:

Apple Pay allows you to purchase items by using your eligible Apple device with a single touch using Touch ID. For more information on how Apple Pay works, please visit apple.com.

Q: What devices provide access to Apple Pay?

A:

The iPhone 6 and iPhone 6 Plus are currently offering Apple Pay for App and in-store purchases. The Apple Watch™ (upon availability) will extend Apple Pay to owners of iPhone 5, iPhone 5c and iPhone 5s. The iPad Air 2 and iPad Mini 3 are able to make app purchases but not in-store purchases. All devices must have iOS 8.1 or later downloaded on their device. For more information, please visit apple.com.

Q: Where can I use Apple Pay?

A:

Currently McDonald’s, Macy’s, Panera Bread, Walgreens, Whole Foods and a variety of other retailers are accepting Apple Pay. For a complete list of participating retailers that accept Apple Pay, please visit apple.com.

Q: Which MidFirst cards are eligible for Apple Pay?

A:

All MidFirst Bank Consumer check and credit cards are eligible to use Apple Pay. Business check and credit cards, gift cards, Homeline cards and virtual cash cards are currently not available for Apple Pay.

Q: How secure is Apple Pay?

A:

With Apple Pay, instead of using your actual card numbers when you add your card to Passbook, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in the iPhone. These numbers are never stored on Apple servers. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. Your actual card numbers are never shared with merchants by Apple or transmitted with payment.

Q: Can I put multiple cards on my device?

A:

Yes, at this time, Apple allows up to eight cards on a device.

Q: Is my card account number or other information being shared with Apple?

A:

To deliver the best Apple Pay experience, we will make certain account information about each card you have selected to use with Apple Pay is available for display on your devices, typically the last four digits of your card number. If you have any additional questions about your device’s security features, please visit apple.com.

Q: Where can I view and manage my card in Apple Pay?

A:

For iPhone 6, you can view and manage your cards in Apple Pay by going to “Settings” and selecting “Passbook & Apple Pay.” By tapping on an individual card, you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay. You can also view and manage your cards in the Passbook app. When you select an individual card, you can tap the “i” to get to the back of the card, where you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

Q: How do I remove my card from Apple Pay?

A:

You can remove your card from Apple Pay by selecting “Remove Card” in the “Passbook & Apple Pay” section of your device settings. For more information, please visit apple.com.

Q: My device is lost or stolen and I want to delete my card. What should I do?

A:

If you believe your device or Apple Pay Card information has been lost, stolen or compromised in any way, call MidFirst Apple Pay Support for Visa cards, call 877-613-3245 for MasterCard cards, call 866-278-5472 immediately. You can also go to icloud.com/settings or the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline.

Q: I was prompted to call for verification. What is this and why is it required?

A:

For security purposes, we may ask you to call our MidFirst Apple Pay support number at 877-613-3245 for Visa or 866-278-5472 for MasterCard to confirm certain information in order to verify your account. Hours of operation: Monday-Friday: 1PM-10PM CT, Saturday & Sunday: 12 PM-9PM CT.

Q: Once I add my card, how can I suspend the ability to make payments?

A:

You can remove your card by selecting “Remove Card” in the “Passbook & Apple Pay” section of your device settings. You can also visit icloud.com/setting to remove your card to temporarily suspend or permanently remove the ability to pay with your card on your device.

Q: How do I get a refund for something I purchased with Apple Pay?

A:

If you need to make a return for a purchase made with Apple Pay, you can receive refunds to your account. The key difference is that you may be asked to provide the cashier the last four digits of your Device Account Number instead of the last four digits of your card number. To find the last four digits of your Device Account Number for your card, visit the “Passbook & Apple Pay” section of your device “Settings,” Passbook app. For more information, please visit apple.com.

Q: Are Banking Centers able to activate Apple Pay?

A:

No, if you are needing to activate Apple Pay or have questions, please call Apple Pay Support: Visa Check Cards: 877-613-3245, MasterCard Check Cards: 866-278-5472, Visa Credit Cards: 844-216-2856 or MasterCard Credit Cards: 844-221-6696.

Q: How will Apple Pay transactions appear on my Account Statement?

A:

Apple Pay transactions will appear just like a standard check or credit card transaction on your statement, online, and within Mobile Banking.

Q: Will an Apple Pay transaction be considered a swipe with my Check Card?

A:

Yes, Apple Pay transactions will count the same as normal card transactions.