MidFirst Bank

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iManage Personal Banking – please call the MidFirst MoneyLine at 888.MIDFIRST (888.643.3477), option 6.

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Broncho Checking

The MidFirst Bank Broncho Checking account is designed for you as a student at the University of Central Oklahoma. It includes a variety of benefits with a wide range of features to meet your specific financial needs. Most importantly, the Broncho Checking account comes with The Central Card, combining your UCO student ID with your MidFirst Bank Visa® debit card.

Broncho Checking

Broncho Checking
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Broncho Checking is a great student checking account, offering you many benefits and no monthly service charge.


  • The Central Card with Visa® Debit Card functionality*
  • 6 campus MidFirst ATMs to serve you
  • No minimum balance required
  • $25 opening deposit required
  • Free introductory checks*
  • Unlimited check writing
  • FDIC insured
  • Optional overdraft services

Online Tools

  • Free Mobile Banking with Mobile Deposit*
  • Free Online Banking with free eStatements
  • Free unlimited iManage Bill Pay

ATM Benefits

  • 6 campus MidFirst ATMs to serve you

Monthly Service Charges
No monthly service charge

Account Agreement and Fee Schedule

Overdraft Services

Overdraft Services

MidFirst offers a variety of overdraft protection services for those times when your balance is less than you expected.

Overdraft Protect

Overdraft Protect links your MidFirst Bank Performance Savings, or Titanium Money Market Savings, to your checking account.

  • Automatic transfers from your savings account to your Broncho Checking account
  • Signing up for Overdraft Protect is easy, visit your local MidFirst banking center or call 888.MIDFIRST (643.3477)
  • Available if you have a MidFirst checking account, and savings or money market account
  • No fees if you never use the service
  • No annual fee
  • Designed to minimize overdraft fees
  • $12.50 per day transfer fee is assessed to your savings account


Overdraft Privilege

Overdraft Privilege permits your transactions to be approved in overdraft situations. You can add or remove Overdraft Privilege to your account by visiting your local MidFirst banking center, calling 888.MIDFIRST (643.3477), or logging in to MidFirst online banking.

  • Available if you are a MidFirst Bank checking customer, subject to approval
  • No fees if you never use the service
  • No annual fee
  • $32.50 fee is assessed for each overdraft item on your account
  • A one-time extended overdraft fee of $25 if your account is overdrawn in any amount for at least seven consecutive calendar days
  • A daily limit of four per-item overdraft fees can be assessed to your account on any processing day
  • If your account is overdrawn by $5 or less at the end of a processing day, we will not charge any per-item overdraft fees
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Online Account Completion


Debit Card: If you need to replace your The Central Card or Bronze Card, a $15 fee will apply.  All rules for obtaining a replacement ID card may be found at uco.edu/cardservices. Checking: Customer pays all taxes, shipping, and handling fees. Mobile Banking: Wireless carrier charges may apply for Internet minutes used. Please refer to your wireless and/or Internet plan to determine the cost of using the Internet through your wireless device.

Thank you for your interest in a new Broncho Checking account.

Our online account enrollment application is secure and safe. Your personal information is protected with Secure Socket Layer encryption technology. We hope you enjoy the convenience of opening your new account online.

Please enter your student ID below to begin.