MidFirst Bank
MidFirst Bank Personal Checking $350 Bonus
MidFirst Bank pays you $350 when you open a personal checking account and receive $1,000 or more in direct deposits within 90 days. No monthly fee, soft credit pull. Available statewide in Arizona, plus the Tulsa, OK metro area and the Houston, TX metro area only, for accounts opened through December 31, 2026.
- Bonus amount
- $350
- Expires
- Dec 31, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~120 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 8, 2026
Open personal checking account
Open an eligible personal checking account online or at any MidFirst banking center. $100 minimum opening deposit. No account-opening promo code required (only MidFirst's separate customer-referral program uses a code).
$1,000+ direct deposit within 90 days
Have direct deposits totaling $1,000 or more made to the new account within 90 days of account opening.
Bonus credit is issued within 30 days of meeting the direct-deposit requirement.
Account Details
Accounts closed within 90 days of opening may forfeit an amount equal to the promotional credit received.
Eligibility
Not available to existing MidFirst consumer checking customers or anyone whose MidFirst account was closed during the current or previous calendar year.
- Accounts must be opened September 1, 2026 through December 31, 2026. No account-opening promo code required (only MidFirst's separate customer-referral program uses a code).
- Regional offer: available statewide in Arizona, plus the Tulsa, OK metro area and the Houston, TX metro area only -- NOT all of Oklahoma or Texas. Listed states field reflects only the statewide (AZ) eligibility; Tulsa/Houston-area residents in OK/TX also qualify even though those states aren't in the state filter.
Tips & Gotchas
- →Regional offer: available statewide in Arizona, plus the Tulsa, OK metro area and Houston, TX metro area only -- not all of Oklahoma or Texas.
- →No debit-card spending requirement, direct deposit only.
- →Accounts closed within 90 days of opening may forfeit an amount equal to the promotional credit received.
Direct Deposit Data Points 17
17 community reports across 7 transfer sources, showing what triggers a qualifying direct deposit at MidFirst Bank.
How long until the bonus posts? The most recent community reports average about 26 days. See 9 reports on MidFirst Bank Checking payout timelines →
Can You Earn This Bonus Again?
Fine Print
Not available to existing MidFirst consumer checking customers or anyone whose MidFirst account was closed during the current or previous calendar year. Must be age 17 or older.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
Also see: this month's best bank bonuses and community DD data points.
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