Disclosure

*Offer Information: Promotional offer valid for qualifying accounts opened 9/1/2025 through 12/31/2025, is available in Arizona only, is subject to change without notice, is not valid with other promotional offers, and is limited to one per household. Offer not available to existing MidFirst Bank consumer checking customers or those whose MidFirst accounts have been closed during the current or previous calendar year or previously closed at any time with a negative balance. Accounts must be open and in good standing to receive an account credit. Must be age 17 or older. Account credits are considered interest and will be reported on IRS Form 1099-INT (or applicable tax form). Account openings are subject to MidFirst Bank’s approval.

Account Information: No minimum deposit required to open accounts in a banking center. Accounts opened online require $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.

Eligible Account Types: Offer is available on most consumer checking accounts. Student Checking accounts are not eligible for this offer. See your account disclosure, fee schedule, and rate sheet for additional information, including monthly service charge and a complete listing of fees and APYs.

Early Pay: Requires eligible direct deposit to your MidFirst account. Direct deposits eligible for Early Pay include transactions that MidFirst can reasonably determine as employment compensation or government benefit or tax payments. When a payer, such as an employer, submits payment files to MidFirst before the scheduled payment date, MidFirst may generally make funds available up to two days earlier than the scheduled payment date. Timing of access to these funds is dependent on the payer’s payment instructions, how the transaction is coded, and the timing of submission of payment files to MidFirst from the payer. Timing of available funds may vary between payment periods. MidFirst does not guarantee that you will receive early access to eligible direct deposits. You should confirm your Available Balance before attempting to make a withdrawal or purchase. Nonpayroll and nontax payments may not be available for Early Pay. We may cancel Early Pay at any time and without notice. You may cancel Early Pay at any time by contacting your MidFirst personal banker or by calling us at 888.MIDFIRST (888.643.3477). Early Pay is not available for MidFirst payroll direct deposits to MidFirst Bank accounts. New accounts must be opened for 30 days to be eligible for Early Pay.

Paper Statement: A $4 paper statement fee applies when account receives paper statements. The paper statement fee is waived when the primary account holder is age 60 or older. 

Safe Deposit Box: Safe deposit box limited to availability. See account agreement for more details. Safe deposit boxes are not FDIC-insured. 

Online and Mobile Services: Services offered are subject to their respective terms and conditions, and availability may vary by device. 

Wallet Checks: Shipping, handling and taxes apply.

Zelle^®: To send or receive money with Zelle^®, both parties must be enrolled in the Zelle^® payment service through a participating financial institution. Transactions typically occur in minutes between enrolled users. Select transactions could take up to three business days. You should not use the Zelle^® payment service to send money to recipients you do not know or do not trust.

Automatic Debit Discount: A 0.50% discount is available for customers setting up an automatic debit for a MidFirst consumer loan from any MidFirst account. In the event the automatic debit is discontinued from the customer’s MidFirst account, the original loan rate will be reinstated effective immediately upon automatic debit discontinuation.

APY: Interest rates and annual percentage yields (APY) are accurate as of date listed above. Rates are variable and subject to change at any time at MidFirst Bank's sole discretion. Service charges/fees may reduce earnings. Minimum balance to obtain stated interest rates/APYs are noted above. Please see your fee schedule for transaction limitations for each statement cycle and any applicable fees.

Rewards: Tiered Earning Structure: See the MidFirst Rewards Terms and Conditions Summary for details.

Bonus Offer: Qualifying cardholders will receive 20,000 bonus points that can be redeemed for a $200 statement credit or used toward other rewards. See the MidFirst Rewards Terms and Conditions Summary for details. To qualify, cardholders must make an eligible purchase or purchases totaling $2,000 or more during the first 90 days after account opening. Eligible purchases do not include cash advances, balance transfers, interest charges, fees, or cash equivalent transactions, which are transactions performed using a merchant or service provider that Visa identifies as a seller of traveler’s checks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or similar products or services. Merchant refunds and credits will count against the total of purchases. Bonus points will be applied to the cardholder’s account within one to two statement cycles after qualification is met, as long as the qualifying account is open and not in default. Limit one bonus offer per customer and/or per account. Existing or previous cardholders may not be eligible for this one-time bonus offer.

Introductory Rate: In order to keep applicable introductory rates, you must make payments when due, stay within your credit limit and not have any payments dishonored for any reason. Please note that the introductory rates do not apply to cash advances. APR and Fees: The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 18.24% and 24.24% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account many be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of February 1, 2025. Subject to credit approval.