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Money Movement FAQs

FUNDING YOUR ACCOUNT

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

- 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

Transfer money via ACH initiated by Vio Bank

  • You can initiate transfers with linked external bank accounts through your Vio Bank online and mobile banking. External transfers may take up to five business days to process.

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. Click the "add an external transfer account" link and follow the instructions.
  4. Within three 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. You will receive an email once the test transactions are sent.
    1. Log in to your online banking through viobank.com and go to Manage External Accounts.
    2. Select "Verify" for the newly added account, then enter the two test deposit transaction amounts and click "Submit." 
  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

Transfer money via ACH initiated by another bank

  • Use your bank's ACH transfer feature (commonly called External Transfer)
  • You will need your Vio account number
  • Use routing number 303087995 for Vio Bank

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 Mobile Deposit: $100,000 per day/ $250,000 per month
  • Check by Mail: Unlimited
  • Wire: Unlimited

TRANSFERRING MONEY OUT OF YOUR ACCOUNT

Transfer money via ACH initiated by Vio Bank

  • You can initiate transfers with linked external bank accounts through your Vio Bank online and mobile banking. External transfers may take up to five business days to process.

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. Click the "add an external transfer account" link and follow the instructions.
  4. Within three 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. You will receive an email once the test transactions are sent.
    1. Log in to your online banking through viobank.com and go to Manage External Accounts.
    2. Select "Verify" for the newly added account, then enter the two test deposit transaction amounts and click "Submit."
  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.

Transfer money via ACH initiated by another bank 

  • Use your bank's ACH transfer feature (commonly called External Transfer)
  • You will need your Vio account number
  • Use routing number 303087995 for Vio Bank 

Wire funds from your Vio Bank account

To initiate a wire transfer from your Vio Bank account, the following forms are required:

  1. Wire Authorization Form – This form is needed only for your first outgoing wire request and will remain on file for future transfers.
  2. Wire Transfer Request Form – This form must be completed for every wire transfer request.

You can access these forms by logging into your online banking at viobank.com and navigating to the “Customer Service” tab. Alternatively, you may request the forms by calling Vio Bank Customer Service at 888.999.9170.

Once completed, the forms must be signed, notarized and submitted. You can send them via email to digitalwithdrawal@midfirst.com or send via fax to 405.858.3012.

Once we receive the required documentation, a personal banker will review it and contact you to discuss the processing time and verify the details. During the call, we will authenticate your identity to ensure we are speaking with the individual initiating the wire transfer.

Limits

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