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Disclosures and Terms

Emailing Practices

Emailing Practices

Emailing Practices

Introduction
Email has become a valuable and convenient method of communicating in today's fast-paced environment. Email can be used to quickly provide important security information to customers, to educate customers regarding updated product features or services, or to send promotional offers and other opportunities. However, MidFirst Bank recognizes that the usefulness of email, just as any other communication method, may decrease as the volume of messages to a recipient from a sender increases. The purpose of this statement is to provide customers with a summary of MidFirst Bank's customer emailing practices. This document should be reviewed along with MidFirst's Privacy Policy, Website Information Practices, and Terms of Use.

Collection and Retention of Email Addresses
MidFirst Bank will request a current email address from all new and existing customers. Customers are not required to provide their email addresses, but are encouraged to do so to provide for communication of important information as further described below.

Use of Email Addresses
Emergency Notification Emails
Emergency Notification Emails are sent for the purpose of notifying customers of actual or potential information security events or fraud that may affect them or their accounts. In order to create and maintain an effective emergency email notification system, it is critical that Emergency Notification Emails are sent only when management perceives that it is necessary to alert customers to a threat that has a reasonable likelihood of affecting customer accounts or otherwise causing the customer losses or inconvenience. Emergency Notification Emails will not contain any promotional content.

Minimum Standards for Emergency Notification Emails

  • "Header" information (source, destination and routing information) and "From" line will not intentionally mislead.
  • Subject line will contain the words "Consumer Alert: Subject Details".
  • Each Emergency Notification Email will contain a description of the situation prompting the email, a description of how the situation may impact the customer, and instructions if customer action is required or recommended.
  • Each Emergency Notification Email will contain the following statement: "This email is NOT requesting that you provide any personal information. MidFirst Bank will never ask for your password, Social Security number, or other personal information within an email."
  • Each Emergency Notification Email will contain a toll-free phone number that the customer can call with any questions or concerns regarding the email.
  • Emergency Notification Emails will NOT contain any promotional content.
  • Although Emergency Notification Emails are sent only to those customers who have provided their email addresses to MidFirst Bank, "opt-out" is not available for Emergency Notification Emails.

Commercial Emails
Commercial Emails are defined by this practice as any email sent to customers who have provided an email address, which are not in response to an email originally generated by the customer and not an Emergency Notification Email. Commercial Emails may fall into one of two categories:

  • Operational Emails are primarily for the purpose of alerting customers to information about products and services they currently have or are available to them. For example, Operational Emails would include emails about product service upgrades or advising customers that certain account features are changing. Operational Emails may also contain promotional content.
  • Promotional Emails are primarily for the purpose of promoting products and services.

Please note that MidFirst will never request your password, Social Security number or other personal information in an email.

Minimum Standards for Commercial Emails

  • "Header" information (source, destination and routing information) and "From" line will not intentionally mislead.
  • Subject line will be designed to reflect the email message content and subject matter.
  • Each Commercial Email, whether Operational or Promotional, will contain the following statements: "This email message contains advertising or promotional content. For your safety, MidFirst Bank will never ask you for personal information through an email, including your password or Social Security number. If you do not wish to receive emails of this nature in the future, you may unsubscribe from email solicitations by sending an opt-out request to: contact@midfirst.com."
  • The email will also include a functioning return email address or comparable mechanism, displayed clearly and conspicuously, that the recipient may use to submit a reply message or other Internet-based form of communication to opt-out of Commercial Emails. A "Comparable Mechanism" may include a list or menu whereby the recipient may choose specific types of commercial email messages the recipient does or does not want to receive from the sender.
  • Each commercial email message will contain a valid physical postal address of the sender.

Opt-out Requirements

  • Opt-out for Commercial Emails will be available for at least 30 days after the transmission of the original message.
  • Upon receipt of any opt-out request, the customer will be removed from future email solicitations within 10 business days and thereafter will not receive any further Commercial Emails.
  • Any opt-out request is permanent unless the customer thereafter provides affirmative consent to the receipt of such emails.
  • Customers may also opt-out of email solicitations by writing MidFirst Bank and including the email address they wish to opt out. Requests can be mailed to: MidFirst MoneyLine, Email Opt-out Request, PO Box 26750, Oklahoma City, OK 73118.

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