Vio Bank Routing Number: Online Savings Guide

What is the Vio Bank routing number?

Vio Bank uses routing number 103100195, which is the same routing number as its parent institution, MidFirst Bank. MidFirst Bank is one of the largest privately held banks in the United States, headquartered in Oklahoma City.

Vio Bank is the online-only division of MidFirst Bank, offering high-yield savings accounts and certificates of deposit. Because Vio Bank operates under MidFirst Bank's charter, deposits are FDIC-insured under the same institution.

How to find your Vio Bank routing number

Log into your Vio Bank online account and navigate to the account details section. Your routing number (103100195) and account number are displayed there. This routing number is consistent across all Vio Bank accounts.

You can also find the routing number on any account statements or tax documents issued by Vio Bank. Since all accounts are held under MidFirst Bank, the routing number is the same regardless of account type.

Vio Bank transfers and deposits

Vio Bank supports ACH transfers for moving money between your Vio Bank savings account and external bank accounts. Transfers initiated through the online portal typically settle within one to three business days.

Since Vio Bank primarily offers savings products, there is no checking account or debit card. Deposits are made via ACH transfer from a linked external bank account, and withdrawals follow the same process.

Vio Bank savings rates and features

Vio Bank consistently offers competitive annual percentage yields on its high-yield savings accounts and CDs. As an online-only bank, it avoids the overhead costs of physical branches and passes those savings to customers through higher rates.

Vio Bank accounts are FDIC-insured up to $250,000 per depositor through MidFirst Bank. The bank offers various CD terms and a no-minimum-balance savings account.

Business banking with Slash

Vio Bank is ideal for individuals looking to earn high interest on personal savings. For businesses that need active banking — checking accounts, card payments, and vendor disbursements — Slash offers a full-featured platform with ACH and wire support, unlimited virtual cards, and integrated expense management.

While Vio Bank focuses on personal savings, Slash delivers the day-to-day banking tools businesses rely on, including real-time spend tracking, multi-user access, and automated accounting workflows.