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Money Movement FAQs

FUNDING YOUR ACCOUNT

Let’s get your new Vio Bank account funded! Here are some options to complete your opening deposit.

You’ll see a zero available balance on the new account until the deposit has been received and processed.

Transfer funds from your account at another institution

If you’ve selected ACH as your funding method, within four business days, we’ll send two small deposits of less than $1 to the bank account you provided. These transactions will be called “MidFirst Bank Test Tran” (Vio is a division of MidFirst Bank) and will be used to help us verify your access to the account. Once you’ve received the deposits, simply follow the steps below to verify the transactions:

  1. Go to viobank.com/complete.
  2. Enter the email address you provided at account opening and the verification provided in the “Thank you for opening your Vio Bank account” email.
  3. Follow the directions on the subsequent pages, where you’ll be asked to enter your test transaction amounts. Once these steps are completed, we’ll transfer your initial deposit amount into your new Vio Bank account.
  4. You will be directed to online banking enrollment.

ACH funding limits at account opening

  • ACH
    - Savings and Money Market Savings: $250,000
    - CDs: $1 Million

Transfer funds from your existing Vio account

You can fund your new account by transferring funds from your existing savings or money market savings account at Vio Bank. You will need your account number and last statement balance.

Required minimum deposit

Savings and Money Market Savings: - $100 minimum opening deposit
CDs - $500 minimum opening deposit

TRANSFERRING MONEY INTO YOUR ACCOUNT—AFTER ACCOUNT IS OPENED

Send money via ACH from your bank

  • Use your bank’s ACH transfer feature (commonly called External Transfer); use routing number 303087995 for Vio Bank

If you have not yet set up external bank accounts in Vio:

  1. Make sure you’re enrolled in Online Banking.
  2. Go to the Pay and Transfer tab and select “Manage external transfer accounts” located under
    “External transfers” tab.
  3. Add an external transfer account by following the instructions on the following screens.
  4. Within four business days, we’ll send two small deposits of less than $1 to the bank account you provided. These transactions will be called “MidFirst Bank Test Tran” (Vio is a division of MidFirst Bank) and will be used to help us verify your access to the account. Once you’ve received the deposits, simply follow the steps below to verify the transactions:
    1. Go to viobank.com/complete.
    2. Enter the email address you provided at account opening and the verification provided in the “Thank you for opening your Vio Bank account” email.
    3. Follow the directions on the subsequent pages, where you’ll be asked to enter your test
      transaction amounts. Once these steps are completed, we’ll transfer your initial deposit
      amount into your new Vio Bank account.
  5. Once the external account is verified, your account will have an “Active” status in the manage external transfer accounts section.

Vio Bank Transfers

If you have already set up external accounts in Vio:

  1. Within Online Banking, go to the Pay and Transfer tab and select “Make an external transfer,” which is located under the “External Transfers” tab.
  2. Select the account you want to transfer from/to, transfer date and amount.
    *Note: One of the accounts has to be a Vio account.
  3. Review info on the following screen. You have the options to edit, cancel or submit transfer at the bottom of the screen. When you select “Submit Transfer,” you may be prompted to enter a passcode.
  4. Once the transfer is submitted, you’ll be shown the transfer confirmation screen:
    • Once the transfer submission has been confirmed, you have the option to edit the transfer details by going into “Scheduled external transfers.”
    • You can also schedule a recurring external transfer through the Pay and Transfer tab by selecting “Make a recurring external transfer.”
      − Select accounts to/from, frequency, amount, start and end

Write a personal check

  • Write a personal check made payable to yourself from a checking account at another U.S. financial institution (no foreign checks accepted).
  • Endorse the back of the check with:
    • Your signature
    • “For Deposit Only to Vio Bank”
    • Your Vio Bank account number

You may deposit your check via:

  • Vio Bank Mobile App with Mobile Deposit
    To use Mobile Deposit:
    - Enroll in Online Banking at viobank.com
    - Download and sign in to the Vio Bank Mobile App
    - Select ‘“Deposit” from the “+” menu at the bottom of the screen
  • Mail
    Vio Bank
    P.O. Box 76149
    Oklahoma City, OK 73147

Wire funds from your bank

A wire transfer is a form of electronic money movement that moves the money in real time from the sending account to the receiving account at another bank. These types of transfers are less common and often require you to pay a fee and interact directly with a person at the bank either in person or over the phone.

  • Send a wire from your bank to Vio Bank; use routing number 303087995 for Vio Bank

Limits

  • ACH (initiated by Vio Bank): $25,000 per day/ $100,000 per month
  • ACH (initiated by another bank): Limits do not apply
  • Check by Mail: Unlimited
  • Check by Mobile Deposit: $100,000 per day/ $250,000 per month
  • Wire: Unlimited

TRANSFERRING MONEY OUT OF YOUR ACCOUNT

Send money via ACH from your bank

  • Use your bank’s ACH transfer feature (commonly called External Transfer); use routing number 303087995 for Vio Bank.

If you have not yet set up external bank accounts in Vio:

  1. Make sure you’re enrolled in Online Banking.
  2. Go to the Pay and Transfer tab and select “Manage external transfer accounts” located under
    “External transfers” tab.
  3. Add an external transfer account by following the instructions on the following screens.
  4. Within four business days, we’ll send two small deposits of less than $1 to the bank account you provided. These transactions will be called “MidFirst Bank Test Tran” (Vio is a division of MidFirst Bank) and will be used to help us verify your access to the account. Once you’ve received the deposits, simply follow the steps below to verify the transactions:
    1. Go to viobank.com/complete.
    2. Enter the email address you provided at account opening and the verification provided in the “Thank you for opening your online savings account” email.
    3. Follow the directions on the subsequent pages, where you’ll be asked to enter your test
      transaction amounts. Once these steps are completed, we’ll transfer your initial deposit
      amount into your new Vio Bank account.
  5. Once the external account is verified, your account will have an “Active” status in the manage external transfer accounts section.

If you have already set up external accounts in Vio:

  1. Within Online Banking, go to the Pay and Transfer tab and select “Make an external transfer” which is located under the “External Transfers” tab.
  2. Select the account you want to transfer from/to, transfer date and amount.
  3. Review info on the following screen. You have the options to edit, cancel or submit transfer at the bottom of the screen. When you select “Submit Transfer” you may be prompted to enter a passcode.
  4. Once the transfer is submitted, you’ll be shown the transfer confirmation screen:
    1. Once the transfer submission has been confirmed, you have the option to edit the transfer details by going into “Scheduled external transfers.”
    2. You can also schedule a recurring external transfer through the Pay and Transfer tab by selecting “Make a recurring external transfer.”
      − Select accounts to/from, frequency, amount, start and end.

Wire funds from your bank

  • Request a Wire Authorization form by calling Vio Bank Customer Service at 888.999.9170
  • Email the signed and notarized Wire Authorization form to customerservice@viobank.com, or mail the form to Vio Bank, P.O. Box 76149, Oklahoma City, OK 73147.
    Note: A Wire Authorization form must be on file at least 72 hours in advance of initiating outgoing wire transfers.

After you have provided a Wire Authorization form, initiate an outgoing wire transfer by:

  • Requesting the Remote Wire Transfer form by calling Vio Bank Customer Service at 888.999.9170
  • Faxing a completed Remote Wire Transfer Request form to 405.840.0862
    Note: You may be contacted at the telephone number listed on your account once the Remote Wire Transfer Request form is received by Vio Bank.

Limits

  • ACH (initiated by Vio Bank): $25,000 per day/$100,000 per month
  • ACH (initiated by another bank): Limits do not apply
  • Check: Unlimited (subject to approval)
  • Wire: Unlimited (subject to approval)
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