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A man gives a piggyback ride to a woman and they both smile.

View All Checking Rates

Personal Checking Accounts

Build a rewarding financial relationship.

Enjoy a more rewarding banking experience and get more out of your money with MidFirst’s relationship banking. Choose the type of checking account that works for your life and discover how to build a strong relationship with us and your finances.

LiveFree Checking

If you don’t need to earn interest, keep things simple and bank digitally with this free checking account.

No monthly fee*
$100 minimum balance to open online
Get paid up to two days early with Early Pay*
Free features include Zelle®, Mobile Deposit, and Card Controls with Digital Wallet*

Open a LiveFree Checking Account Benefits of LiveFree Checking

Boost Checking

Enjoy easy access to your digital checking account while earning increased interest rates.

Earn a higher interest rate on balances up to $20,000*
$100 minimum balance to open online
Get paid up to two days early with Early Pay*
Free features include Zelle®, Mobile Deposit, and Card Controls with Digital Wallet*

Open a Boost Checking Account Benefits of Boost Checking

Simply Interest Checking

Get more out of your money with this interest-earning account plus the accessibility that only a checking account can provide.

Earn interest
$100 minimum balance to open online
Get paid up to two days early with Early Pay*
Free features include Zelle®, Mobile Deposit, and Card Controls with Digital Wallet*

Open a Simply Interest Checking Account Benefits of Simply Interest Checking

Student Checking

Students up to age 24 can learn to manage their money with this simple checking account. Individuals 17 years old and younger may open this account jointly with a parent or guardian.

No monthly fee
$25 minimum balance to open online
Get paid up to two days early with Early Pay*
Free features include Zelle®, Mobile Deposit, and Card Controls with Digital Wallet*

Open a Student Checking Account Benefits of Student Checking

Schedule an Appointment

Or

Call 888.MIDFIRST (888.643.3477) for personalized assistance.

Disclosure

*LiveFree Checking: LiveFree Checking is free with eStatements. A $4 monthly paper statement fee applies if paper is selected. The paper statement fee is not charged when primary account owner is age 60 or older. Boost Checking: Earn a higher rate when the following requirements are met during each statement cycle: 1) Complete ONE online bill payment through Personal Online Banking OR have ONE direct deposit posted to Boost Checking account AND 2) Complete 15 debit card purchase transactions. ATM transactions are not eligible. Online and Mobile Services: Services offered are subject to their respective terms and conditions, and availability may vary by device. 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 you do not trust. 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.