Summary: Vio Bank is an online-only banking division of MidFirst Bank, one of the largest privately held banks in the United States. Launched in 2018, Vio Bank focuses on providing deposit accounts with competitive interest rates.

Vio Bank products and services

Here’s a look at the products and services offered by Vio Bank:

Vio Bank fees

Vio Bank doesn’t charge any monthly account fees or overdraft fees. However, there are a handful of fees you may encounter as a VIO Bank customer.

Read more: What are bank fees, and how do I avoid them?

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Vio Bank pros and cons

Here’s a look at some of the perks and drawbacks of banking with Vio Bank:

Pros

Cons

Customer service and mobile banking experience

Vio Bank representatives are available via phone during the following hours:

Customers can also submit a form to be contacted by a banking representative.

Additionally, Vio Bank offers a mobile app on the App Store and Google Play with a rating of 4.6 and 2.9 stars, respectively. Customers can use the app to check account balances, search transactions, deposit checks on the go, and access statements and tax documents.

Read more: 10 best mobile banking apps of 2025

Frequently asked questions

Is Vio Bank FDIC-insured?

Vio Bank is a division of MidFirst Bank, which is an FDIC-insured bank. This means that deposits are insured up to the federal limit of $250,000 per depositor, per institution, per ownership category.

What is Vio Bank’s routing number?

Vio bank’s routing number is 303087995.

Who owns Vio Bank?

Vio Bank is owned by MidFirst Bank, the largest privately owned bank in the US.