Vio Bank (MidFirst Bank)
Vio Bank (MidFirst Bank) Cornerstone Money Market Savings
By Alex Compton · Last verified
A quietly strong money-market rate from one of the largest private banks in America
Insurance: FDIC insured up to $250,000 through MidFirst Bank (Vio deposits count as MidFirst deposits for coverage)
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-09-07 | 3.45% (as of September 2026, cut from 3.50% effective August 7, 2026) | $0 with e-statements ($5 paper statement fee otherwise) | $100 | Archive record · no attached snapshotLegacy snapshot; event-level evidence was not attached at the time |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Features
- ▸3.45% on all balances with a $100 minimum to open
- ▸Interest compounds daily
- ▸No monthly fee as long as you opt into electronic statements
- ▸Vio is the national online division of MidFirst Bank, the largest privately held US bank
- ▸Online savings and CD lineup at the same login
- ▸No checks or debit card — a money market in rate structure only
Pros
- +Strong rate with no balance tiers or activity hurdles
- +MidFirst is a large, conservative, long-established bank
- +Tiny $100 entry point
Cons
- −No check writing or debit access — lacks the liquidity perks that usually define a money market
- −$5 paper statement fee snags the inattentive
- −Basic platform with reported slow external transfers
Our Take
Cornerstone is a fine HYSA wearing a money-market label: you get a top-tier rate and MidFirst's stability, but none of the check-writing flexibility that usually justifies choosing a money market. If you want the access features, Ally's money market has them at a lower rate. If you just want yield, Cornerstone delivers it with one job on your end: turn on e-statements at signup.
Best for: Yield-first savers who don't need money-market access features
Open at Vio Bank (MidFirst Bank) →Last verified 2026-09-07
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