Call MidFirst's customer service line or visit a branch in person to close your account

MidFirst Bank does not offer online account closure through their website or mobile app. You must either call their customer service team at 1-800-654-3210 or walk into a branch location during business hours. When you call, have your account number ready — it appears on your debit card, checks, or statements. The representative will confirm your identity, ask why you're closing the account, and walk you through the final steps.

If you visit a branch in person, bring a photo ID and your debit card or account number. A teller can close the account on the spot and answer questions about outstanding checks or pending transactions. In-person closure is often faster than calling, especially if you need to withdraw remaining funds or discuss what happens to any automatic payments linked to the account.

MidFirst will not charge you a fee to close an account. However, if your account is overdrawn or has unpaid fees, the bank will deduct those amounts from any remaining balance before closing.

Key Takeaways

  • MidFirst requires you to close accounts by phone (1-800-654-3210) or in person at a branch — there is no online closure option.
  • Have your account number and photo ID ready before you call or visit, and ask the representative to confirm the account is fully closed.
  • Any remaining balance will be sent to you by check or transferred to another account you specify, usually within 5 to 10 business days.
  • Before closing, review your account for automatic bill payments, direct deposits, or pending checks that may still be processing.
  • If your account is overdrawn or has unpaid fees, MidFirst will deduct those from your balance before sending the remainder.

What to do before you call or visit

Check your account for any automatic payments or recurring charges tied to the account. Log into your online banking or mobile app and look at recent transactions to see which companies or services are pulling money from this account each month. Contact those companies — utilities, subscriptions, insurance, loan servicers — and update your payment method to a different account or card before you close.

Review any pending checks you've written. If you've mailed checks that haven't cleared yet, wait until they post or contact the recipients to cancel them. MidFirst will not honor checks drawn on a closed account, and the recipient may face a returned-check fee.

If you receive direct deposit paychecks or government benefits, update your banking information with your employer or the relevant agency. Provide them with your new account number if you're switching to another bank, or let them know you no longer want direct deposit.

How MidFirst handles your remaining balance

If your account has a positive balance when you close it, MidFirst will send the money to you. You can ask the representative to mail a check to your address on file, or if you have another bank account, you can provide routing and account numbers for a transfer. Checks typically arrive within 5 to 10 business days. If you choose a transfer, it may post within 1 to 3 business days, though this depends on the receiving bank.

If your account is overdrawn — meaning you owe MidFirst money — the bank will not close the account until the negative balance is paid. You can pay it over the phone with a debit card or bank transfer, or you can visit a branch with cash or a check. Once the overdraft is cleared, the account can be closed.

If there are unpaid fees on your account (such as monthly maintenance fees or overdraft fees that have not been paid), MidFirst will deduct those from your remaining balance. Ask the representative for an itemized list of any fees before the account closes so you know exactly what is being deducted.

Confirming the account is actually closed

After you close the account, ask the representative for a confirmation number or reference code. Write this down — you may need it later if a charge appears on the account or if you need to dispute something. Request that the representative send you written confirmation of the closure by email or mail.

Check your account online or by phone a few days later to confirm it no longer appears in your account list. If the account still shows up or if you see any new charges, call customer service immediately. Occasionally, pending transactions can post after closure, and you need to report this right away.

Keep your final statement for your records. It will show the closing date, final balance, and any fees deducted. This is useful for tax purposes if the account earned interest, or if you need proof of closure later.

What happens to linked services after closure

If you have a MidFirst debit card tied to this account, it will stop working immediately after closure. Destroy the card by cutting it up or shredding it — do not throw it away intact. If you have checks printed for this account, they will no longer be valid. You do not need to do anything with them, but do not use them.

If you have a MidFirst credit card or line of credit separate from this checking or savings account, closing the deposit account will not affect it. Those products remain open unless you close them separately.

Any online bill pay services linked to this account will stop working. If you were using MidFirst's bill pay feature to send payments to creditors or vendors, you will need to set up payments through another method — your new bank, the creditor's website, or a third-party service.

Closing a joint account

If the account is held jointly with another person, both account holders must consent to closure. Call MidFirst and let them know the account is joint. The representative will likely require both owners to be on the call, or they may ask you to visit a branch together with photo ID. Some banks allow one owner to close a joint account unilaterally, but MidFirst's policy may vary — ask directly.

When a joint account closes, any remaining balance is typically split equally between the owners unless you specify otherwise. Discuss with the other owner beforehand how you want the funds divided, and communicate this to the MidFirst representative before closure.

Frequently Asked Questions

Can I close my MidFirst account online or through the mobile app?

No. MidFirst does not offer online account closure. You must call 1-800-654-3210 or visit a branch in person during business hours. This is a security measure to prevent unauthorized closures.

What if I have a negative balance when I want to close?

MidFirst will not close an overdrawn account until the negative balance is paid. You can pay it by phone with a debit card, by bank transfer, or in person with cash or a check. Once the overdraft is cleared, the account can be closed immediately.

How long does it take to receive my remaining balance after closure?

If MidFirst mails a check, it typically arrives within 5 to 10 business days. If you request a transfer to another bank account, it may post within 1 to 3 business days depending on the receiving bank's processing time.

Will closing my MidFirst account hurt my credit score?

Closing a deposit account (checking or savings) does not affect your credit score. Credit scores are based on credit accounts like loans and credit cards, not deposit accounts. Closing a MidFirst credit card or line of credit may have a small impact, but closing a checking or savings account will not.

What if a charge posts to my account after I close it?

Contact MidFirst immediately. Charges should not post to a closed account, but if one does, the bank can investigate and reverse it. This is why keeping your confirmation number and final statement is important — you can reference them when disputing the charge.