MidFirst Bank Checking Accounts

Horrific. Abusive practices included lying at the management levels, denying access to multiple accounts with cash available, active and ongoing senior verbal, emotional, financial and psychological abuse. This bank is headed for CFPB and Treasury scrutiny. This bank must be formally sanctioned for current practices in Arizona market and stripped of banking priveleges if not corrected. As far as the JD Power surveys, I've tried 3x to fill mine in and it each time my comments are erased. Not mobile friendly. We had multiple checking and savings accounts there and tried multiple times to invest through them. Always used wrong addresses and phone numbers to contact us despite close contacts with management at our branch at and investment branch.

They will find anyway possible to put a hold on your account. I deposited a check that was under $100 and they wouldn’t let the fund be available and they wouldn’t let me cash it with them. They also didn’t make my funds available for days after doing a CASH mobile deposit.

My banking experience with MidFirst has been incredibly disappointing. My company is a small business and we work with a vendor in Bulgaria, which requires payment my international wire transfer. Accordingly I requested an international wire transfer to my vendor for $1025 over a month ago. My vendor claims to have never received it and has asked for a SWIFT document or some type of legal document showing that the money was sent and received.

MidFirst had no problem taking the $1025 from my account, but after weekly requests for verification that it was actually sent and received their manager and Vice President, Jay Kandybowicz, has refused to provide that documentation. With week I will initiate whatever legal remedies that I may have, but it is heartbreaking that this bank refuses to provide this simple document. As a result of their actions I may loose my most important vendor and it is obvious that they don't even care.

Charlie Taylor
Snap2Close Real Estate Photography
Scottsdale, Arizona

This is hands down the worst bank I’ve ever had the displeasure of going through. Customer support isn’t helpful, they transfer you to the wrong lines and won’t tell you who to contact, their banking service online is always problematic, the cashless card service they always promote has never worked for me, and the final straw was the $34 overdraft fee I got for going $1.80 negative from a subscription service for 16 hours before I added money to my account. If you are in Arizona I promise you that any other banking service is better to go through than this poor excuse of a bank!

Worst banking experience of my life. I would never suggest this bank to anyone. They are little con artist. I closed my bank account and the teller told me to make sure that I change all my automatic bill payments because if I didn't they would automatically reopen my account and create a charge. So, I did this and then I received a check that got sent to this bank and they wouldn't reopen the account. I do not understand how a bank could reopen it because of a charge that they could just decline, but they won't reopen it for a check coming in. Also, this bank always gave me headaches to get my own money out of the account. Worst Experience ever!!

Do Not Use This Bank Ever!!!

I have been a Midfirst customer for more than 15 years. This has happened occasionally throughout those years but it seems to be happening constantly now. I will cover a check by transferring money between one of the four accounts we have at the bank, the next morning when I check my balance I find that I am overdrawn and have been charged a total of $64. The overdraft fee caused the overdraft - and then I was charged another $32 because the account was overdrawn. It is criminal what banks get away with, but you would think a long time customer would be treated more fairly Banks are a necessary evil, but I am retired living on Social Security and I simply cannot afford these outrageous charges. If it were a case where someone was just having withdrawals knowing they were overdrawing the account, that would be one thing, but I am covering any overdraft (and always have been) at the same time they are scurrying like rats to take my money. If they are supposed to refund something then forget it - you wait 5 to 7 banking days - they aren't quite so fast when they owe you money.

I use to love Midfirst bank. Where has all the good customer service gone with this bank? They hire disrepectful arrogant kids now. What happened to saying yes mam and no sir? I actually had Midfirst bankers mock me, make fun of me because i did not know what something meant, AND instead of an apology, told me 'i did not wait that long', when i asked her about my long wait in my hot car. I do NOT suggest Anyone bank here! Money orders are $4 for God's sakes!

I have truly enjoyed the time I've spent as a Midfirst bank customer. I switched my checking account over from my old credit union when I moved to AZ and began my undergrad degree at ASU. There are a few specific things that have made me a satisfied Midfirst customer. The combined debit card and student ID card was an alluring factor, and I enjoy the convenience of it to this day. That said, the best feature of my checking account has to be my ability to utilize any ATM due to the fact that Midfirst doesn't charge me to use these and reimburses me for the fees these ATM's often charge.

I have been with Midfirst bank for 10+ years. The only reason I have not changed is for the simple fact that I have most of my bills paid automatically and it would be a hassle to change banks. I have lost my debit card several times and the process to replace the card was very simple by calling customer service. However the negative aspects of Midfirst bank is their overdraft policy only covers up to $300 where other banks have allowed much more than that. Also, the cost of an overdraft is significantly higher than other banks. I don't make it a habit to overdraft my account but it is nice to have that protection in case I forget to write something down. The cost of using a non Midfirst ATM is also expensive. Not only am I paying the bank where I use the ATM but Midfirst also charges an extra $2 for this service as well.