Disclosure

*Offer Information: Promotional offer valid for qualifying accounts opened 9/1/2025 through 12/31/2025, is available in Oklahoma 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 $300, 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, Broncho/Broncho Solution, Cowboy, and Sooner®/Sooner® Solution 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.

Referral Offer: At account opening, the new referred customer should mention promo code: REFERRAL50-2025. By providing a referral name at account opening, customer agrees to participation in the Refer-A-Friend program and agrees that the person listed as the referring customer could be aware of the new customer meeting or not meeting the requirements to receive the account credit. Referring customers will receive an account credit of $50 for each referral that meets the checking offer requirements above within the promotional period. The referring customer will receive the $50 referral credit in their MidFirst Bank checking account within 30 days after checking offer requirements have been met by the referred customer. Referring customer cannot live in the same household as the referred customer. Referring customers will receive a maximum of one account credit per new customer.

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.

Easy$ave: To enroll in Easy$ave, you must be an owner of a MidFirst Bank consumer checking account with an active debit card and a consumer savings or money market account. Business accounts are not eligible for Easy$ave transfers. The accounts enrolled in Easy$ave must have at least one common owner. When you enroll in Easy$ave, we will round up your MidFirst Bank debit card purchase transactions to the nearest whole dollar and transfer the difference from your checking account into your designated MidFirst Bank savings or money market account. Easy$ave transfers will be conducted on debit card purchase transactions that post to your account once the payment transaction has been received from the merchant, settled and the amount has cleared your account. Eligible debit card purchase transactions include transactions made by you or any debit card holder on your designated checking account. We will total the round-up amount from posted debit card transactions each business day and make a single transfer for that amount the next business day. If you do not have sufficient funds in your designated checking account, your Easy$ave transfer will be canceled for that business day. Easy$ave transfers are not retroactive. If an eligible debit card purchase transaction is subsequently canceled or reversed, the Easy$ave transfer will remain in the designated savings or money market account. We may cancel Easy$ave at any time and without notice. If your designated checking, savings or money market account is closed or converted to another account type, your Easy$ave transfer will be canceled. You may cancel Easy$ave transfers at any time by completing a cancellation form; please contact your MidFirst personal banker or call us at 888.MIDFIRST (888.643.3477) to complete the cancellation form. Please note, Easy$ave enrollments and cancellations may take up to 10 business days to process.

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.