Business Mobile Banking FAQs

Do you have questions about business mobile banking? See our FAQs.

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Business Mobile Banking

Yes, your company must have an established Business Online Banking or Business Online Banking Express Company ID and User ID to enroll for Business Mobile Banking.

Users may view account balances, search account activity, transfer funds, pay bills and search for MidFirst banking center and ATM locations. iPhone, iPad and Android users may also use Business Mobile Deposit (if eligible) to transmit check images for deposit.

No, Business Mobile Banking and its functions are only accessible through the MidFirst Bank Business Mobile App using your iPhone®, iPad®, Android™ phone or Android™ tablet.

There is no charge to use Business Mobile Banking or Business Mobile Deposit; however, per item or per transaction fees may apply per the applicable Fee Schedule for the deposit account.

All Business Online Banking and Business Online Banking Express companies in good standing are eligible for Business Mobile Deposit. MidFirst reserves the right to implement additional qualifications and/or terminate the Mobile Deposit service at any time. Contact Commercial Services at 877.516.2777 with any questions about eligibility.

Mobile deposits may be made to a business or consumer checking, savings or money market account that is established and has been entitled for user access in Business Online Banking or Business Online Banking Express.

Most domestic checks may be processed through Business Mobile Deposit; however, money orders, foreign items, savings bonds, drafts, substitute checks, remotely created checks and third-party checks are not accepted.

If your company needs a higher limit, Remote Deposit may better meet your business needs. Please contact Treasury Management Sales at 877.709.7326 for more information.

Deposits may be submitted at any time; however, a deposit must be submitted and approved by 8 p.m. Central time to post for that business day.

Approved deposits made on a business day before 8 p.m. Central time will be reflected the next business day, subject to MidFirst's Funds Availability Policy. Deposits made after 8 p.m. Central time will post the following business day. You will receive a Notice of Hold if applicable.

You will receive an email notification when your deposit is received.

You will receive a second email notification when the deposit is approved and processed, or if the deposit was declined with the reason.

Yes, MidFirst Bank Business Mobile Banking utilizes best practices such as HTTPS, 128-bit SSL encryption and application time-out when your mobile device is not in use. Only the mobile devices you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service may be immediately disabled by either logging in to Business Online Banking or Business Online Banking Express (select Administration, and then the Manage mobile banking settings link) or by calling Treasury Management Support at 877.516.2777.

  • Requires iOS 13.0 or later, compatible with iPhone, iPad, and iPod touch
  • Android OS 7.0 and up, various devices (Smartphone only)

Contact Commercial Services at 877.516.2777 or commercialservices@midfirst.com.

Zelle® for your business

Zelle® is a fast, safe and easy way for small businesses to send, receive and request money, typically within minutes1 with customers and eligible vendors you trust. If your customers use Zelle® within their financial institution’s banking app, they can send payments directly to your MidFirst Bank account with just your email address or U.S. mobile number.

Eligible small business accounts can send, receive or request money with Zelle®. Your organization must request access for Zelle®, and once received, company users may be entitled for the service. To access Zelle® for the first time, log in to the MidFirst Business Mobile app or Business Online Banking and select “Send Money with Zelle®.”

Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re ready to start sending and receiving money with Zelle®.

To send money with Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.

If the small business or consumer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to customers, vendors or individuals you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customer and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled MidFirst bank account.

To request money using Zelle® with a small business account, click “Send Money with Zelle®,” select “Request,” enter individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.”

If your customer is using Zelle® through their banking app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

There are a few ways to encourage your customers to pay your company with Zelle®.
  • Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
  • Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®.”
  • Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®)2.
Please note, you’ll only be able to receive payments from those using Zelle® through their financial institution’s banking app. You will not be able to receive payments from users enrolled in the Zelle® app.
 

Neither MidFirst Bank nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

No, MidFirst Bank does not charge a fee to use Zelle® with a small business account.

Keeping your money and information safe is a top priority for MidFirst Bank. When you use Zelle® within our mobile app, your information is protected with the same technology used to keep your MidFirst Bank account safe.

Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle® app1.

Your organization must request access for Zelle®, and once received, company users may be entitled for the service. To access Zelle® for the first time, simply log in to MidFirst Bank’s Business mobile app or Business Online Banking and select “Send Money with Zelle®.” Then, enter an email address or U.S. mobile number to connect to your small business bank account.

Important note: If you already use Zelle® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, name@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

Business clients may not use Commercial, Commercial Plus or IOLTA accounts with Zelle®. Clients with other types of Business checking accounts may qualify.

Please call MidFirst Bank at 877.516.2777 for assistance.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, navigate to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.” If you do not see this option available, please call 877.516.2777 for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle® through their bank or credit union’s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you try to send money to a consumer who is enrolled in the Zelle® app instead of through their financial institution, a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending or receiving money to users enrolled in the Zelle® app.

If you sent money to the wrong person, please immediately call our customer support team at 877.516.2777 so we can help you.