The fastest way to close a MidFirst account is to call their customer service line or visit a branch in person

MidFirst Bank does not offer online account closure through their website or mobile app. You will need to either call 1-800-654-3210 (their main customer service number) or walk into a branch location during business hours. Both routes take about 10 to 15 minutes if you have your account number ready and no outstanding issues on the account.

Before you call or visit, make sure your account balance is zero or that you have arranged to move any remaining funds. MidFirst will not close an account with money still in it—they will ask you to withdraw the balance or transfer it out first. If you have automatic payments or direct deposits set to this account, stop or redirect those before closing, or they may fail after the account shuts down.

The bank will send you written confirmation of the closure, usually within 5 to 10 business days. Keep this letter in case you need proof later that the account is closed—it can matter if a merchant tries to charge the old account number or if you need to dispute something.

Key Takeaways

  • Call MidFirst at 1-800-654-3210 or visit a branch in person; online closure is not available.
  • Your account balance must be zero before closure—withdraw or transfer any remaining funds first.
  • Stop or redirect automatic payments and direct deposits before closing to avoid failed transactions.
  • MidFirst will mail written confirmation within 5 to 10 business days; keep it for your records.
  • If you have a credit card with MidFirst, closing your checking or savings account does not close the card—you must handle that separately.

What to prepare before you call or visit

Have your account number ready—it appears on your debit card, checks, or statements. If you do not have it handy, the bank can look it up using your Social Security number and date of birth, but having the number speeds things up. You will also need a valid photo ID if you are closing in person at a branch.

If you have a balance in the account, decide where it is going. You can ask the bank to issue a check, transfer it to another account (at MidFirst or elsewhere), or in some cases receive a cashier's check. Transfers to another bank usually take 1 to 3 business days, so plan accordingly if you need the money right away.

Write down any automatic payments or recurring charges tied to the account—subscriptions, gym memberships, insurance premiums, loan payments. Log into those services and update your payment method before closing the account. If you miss one, the charge will fail and you may face late fees or service interruptions.

Closing in person at a MidFirst branch

Find your nearest branch on MidFirst's website or by calling customer service. Bring your photo ID and your debit card. Tell the teller you want to close the account. They will verify your identity, confirm your balance is zero, and process the closure on the spot.

If you have a small balance (usually under $100), the teller can often hand you cash when ready. For larger amounts, they will issue a check or arrange a transfer. Ask which option is fastest for your situation. The teller will give you a receipt showing the account is closed and may mail you formal confirmation later.

Branch hours vary by location. Most MidFirst branches are open Monday through Friday 9 a.m. to 5 p.m., with some Saturday hours. Call ahead if you are not sure, especially if you are traveling to a branch outside your usual area.

Closing by phone with customer service

Call 1-800-654-3210 and tell the representative you want to close your account. Have your account number and the last four digits of your Social Security number ready. The representative will confirm your identity, check that your balance is zero, and process the closure.

Ask the representative how you want your remaining balance handled—check by mail, transfer to another account, or cashier's check. If you choose a check, ask how long it will take to arrive (usually 5 to 10 business days). If you choose a transfer, provide the routing and account number of the receiving bank and confirm the timeline.

The representative will give you a confirmation number for the closure. Write it down and ask them to mail you written confirmation as well. This protects you if there is ever a question about whether the account was actually closed.

What happens to linked services and accounts

If you have a MidFirst credit card, debit card, or line of credit, closing your checking or savings account does not close those products. You will need to contact the bank separately to close a credit card or request a new debit card if your old one is tied to the closed account. Call the number on the back of the card or use the main customer service line.

If you have a safe deposit box at MidFirst, you must empty it and return the key before the account closes. The bank will not close the account until the box is settled. If you forget, they will charge you a rental fee for the box even after the account is closed, and you may have trouble accessing it later.

Any pending transactions or holds on the account will be released once it closes. If you have a check that has not cleared yet, it may bounce after closure. Contact anyone you wrote a check to and let them know the account is closing so they can redeposit or you can arrange payment another way.

After the account is closed

Keep the written confirmation letter MidFirst sends you. It proves the account is closed and can help if a merchant or creditor tries to charge the old account number. File it with your financial records for at least one year.

Monitor your credit report for a few months after closure to make sure no fraudulent activity appears. You can check your credit for free once a year at annualcreditreport.com. If you see anything suspicious, report it to the credit bureau and to MidFirst when ready.

If you set up a new bank account elsewhere, update your employer, creditors, and any services that were pulling from the old account. This prevents failed payments and overdraft fees on accounts you no longer use.

Frequently Asked Questions

Can I close my MidFirst account online?

No. MidFirst does not offer online account closure through their website or app. You must call 1-800-654-3210 or visit a branch in person to close an account.

What if I have a negative balance or overdraft fees?

You must pay the negative balance and any fees before the bank will close the account. Call customer service to find out the exact amount owed, then pay it by phone, in person, or by transferring funds from another account. Once paid, you can proceed with closure.

How long does it take to close a MidFirst account?

The closure itself takes 10 to 15 minutes in person or over the phone. Written confirmation arrives by mail within 5 to 10 business days. If you are waiting for a check or transfer of your balance, that can take an additional 5 to 10 business days depending on the method.

Will closing my account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score because those accounts do not appear on your credit report. However, if you close the account and then fail to pay bills because you forgot to update your payment method, those missed payments will hurt your score.

What if I closed my account but a charge still went through?

Contact MidFirst customer service right away with the transaction details. If the charge happened after the official closure date, the bank may be able to reverse it or help you dispute it with the merchant. Keep your closure confirmation letter as proof of when the account closed.