NEWS & HIGHLIGHTS
Free Financial Articles, Tips and Tools
Visit LongLiveYourMoney.com for money management tips and more.
GET CONNECTED
Long Live Your MoneyFacebookTwitterGoogle PlusLinkedInYouTube
MenuPERSONALBUSINESSWEALTH MANAGEMENT
Home > Tools > FAQs

FREQUENTLY ASKED QUESTIONS

Browse the links below for answers to some of the most common questions we receive from our clients. If you do not see what you are looking for, please send us an E-Mail, visit your nearest banking center or call our ExpressBank, (800) 234-6181.

General

How can I reach Bank of Oklahoma Customer Service?

Call our 24-Hour ExpressBank

Most questions can be answered by using our “no wait” automated service which is available 24 hours a day. Download our touch tone phone reference to help you navigate the system.

A live-banker is available during the following hours:
Monday - Friday 6 a.m. - 10 p.m.
Saturday 7 a.m. - 7 p.m.
Sunday 10 a.m. to 7 p.m.

Tulsa Area: (918) 588-6010
Oklahoma City Area: (405) 272-2548
Outside These Areas: (800) 234-6181
General Questions? Sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message for assistance.

Here’s what you can do over the phone:

  • Open a checking account, savings account or CD.
  • Apply and get approved for loans and lines of credit.
  • Place a Stop Payment.
  • See if a check has cleared or a deposit has posted.
  • Change your address.
  • Order Checks.
  • Transfer money between accounts.
  • Check on account and loan balances.
What is the Routing Number for Bank of Oklahoma

Click here to view the routing number for Bank of Oklahoma

Where can I find more information about your parent company, BOK Financial?

About BOK Financial


Please click here to learn more about our parent organization, BOK Financial Corporation.

Who is Bank of Oklahoma?

About Bank of Oklahoma


Bank of Oklahoma provides consumer, business, commercial and wealth management banking services. In addition, Bank of Oklahoma provides investment and trust services, mortgage origination and servicing and an electronic funds transfer network.

Bank of Oklahoma, is a subsidiary of BOK Financial Corporation (BOKF), a $31 billion regional financial services company based in Tulsa, Oklahoma. The company's stock is publicly traded on NASDAQ under the Global Select market listings (symbol: BOKF).

Personal

Tax Forms

What is a 1099-INT Tax Form?

You will receive a 1099-INT tax form if you received interest income so you can report this information to the Internal Revenue Service. Consult a tax professional for additional information.

What is a 1099-R Tax Form?

The 1099-R Tax Form is used to report retirement benefit distributions from pensions, annuities or other retirement plans along with retirement account conversions, rollovers and re-characterizations. Consult a tax professional for additional information.

What is a 5498 Tax Form?

The information on Form 5498 is submitted to the Internal Revenue Service by the trustee or issuer of your individual retirement arrangement (IRA) to report contributions, including any catch-up contributions, required minimum distributions (RMDs), and the fair market value (FMV) of the account. Consult a tax professional for additional information.

How do I access my 1099 Tax Form online?

Log in to Online Banking and select View Online Statements and Forms from the Actions and Tools menu. Select Tax Forms and choose the form you want to view.

Will I still get a paper 1099 Tax Form in the mail?

Yes, you will still receive a paper 1099 Tax Form in the mail just as you always have.

Can I disable my paper 1099 Tax Form and receive it online only?

No. We are required to continue mailing the paper 1099 Tax Form to you at this time.

Will my 1098 Tax Form be available online too?

Not at this time, but you will still receive your 1098 Tax Form in the mail just as you always have. We are hoping to provide this form online in the future though.

Who should I call if I have questions about my tax form?

You can find the appropriate contact information on your tax form.

Can I view copies of my previous year’s tax forms online?

Only tax forms from 2015 and later will be available online.

I have a joint account. Why can’t I access copies of the tax forms related to this account?

Tax forms are only generated for primary account holders. If you are a secondary owner on an account then you will not have access to the 1099 forms online.

Who should I contact if I have questions about how to use my 1099 when filing my taxes?

You should contact the Internal Revenue Service or a tax professional to answer any questions.

About Internet Security

The following provides answers to questions you may have about Internet Security:


Is banking over the Internet safe?
Yes. Our state-of-the-art technology encrypts data traveling between your computer and Bank of Oklahoma, making it virtually impossible for anyone to access your account information. We use SSL, the most trusted method of securing Internet transactions today.

How is my financial data protected while I'm online?
We consider the security of your account and transaction information of top importance. Thus, we have implemented a comprehensive security system, which leverages the bank, Internet and your PC to maintain the privacy of your financial information.

What is encryption?
Through encryption, your data (everything from your account numbers to account balances) is converted into a series of unrecognizable numbers before they are exchanged over the Internet. We work with your Web browser to transform all your banking requests into encrypted strings of data, and then back again to the original requests.

What are the browser security requirements?
To meet our security requirements, your browser must support the more powerful 128-bit encryption versions of Microsoft Internet Explorer 5.x or higher or Netscape Navigator 6.2 or higher.

Is Online Banking secure at Bank of Oklahoma?
All information collected by or available on Online Banking is protected through the use of the secure socket layer (SSL) protocol and 128-bit encryption.

What is SSL protocol and 128-bit encryption?
SSL is an encryption system that creates a secure environment for information that is passed between the customer's desktop and Bank of Oklahoma. There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. We use the highest level of encryption (128-bit) to ensure your online transmissions are secure.

How do I know that my banking session is being protected by encryption?
Your browser will display a special symbol to confirm you're in a secure session when banking online. If you're using Netscape Navigator, a solid key (not broken) or closed lock icon will appear in the navigator toolbar of your browser window. If you're using Microsoft Internet Explorer, a lock icon will appear in the lower right corner of the browser window.

How can I protect my accounts and identity while online?
Here is a list of simple online tips to help you safeguard your accounts and privacy from online scams. Also, here is some general information on how to prevent account fraud and included links to the FTC's, FDIC's and the U.S. government's Web pages that contain more detailed information about online safety, identity theft and online fraud.

What can I do to keep my information secure?
You provide one of Online Banking's most important safety features by protecting your online password making sure no one can see the password as you sign on to Online Banking and select sign off before moving on to other websites.

SECURITY TIPS: These few tips can help ensure the privacy of your account information:

  • Your user ID and password are the keys to your accounts. It takes both identification codes to unlock access to your accounts. For the security of your accounts, don't choose a password from obvious clues, like a pet's name or your birthday. And never share your user ID or password with anyone.
  • Many people tend to use the same user ID and password for numerous accounts across the Internet. To further safeguard your account, we recommend you select a unique Online Banking ID and password.
  • Do not write or leave your password where it can be seen.
  • You should never reveal your password to anyone.
  • No Bank of Oklahoma representative will ever ask you for your online password, ever.
  • Notify Bank of Oklahoma immediately if you notice any unusual account activity.
  • Keep all documents that include your account information in a safe place (including ATM receipts and monthly account statements).

Can anyone else see my account information? Is it out in the public?
The information is not public. Only you can access it using your user ID and password. Unless you share your ID and password, no one can access your account information online.

What if I have more questions or need assistance?
If you can't find the answers to your questions online, please call our 24-Hour ExpressBank.

Agreements and Disclosures
Applying For An Account Online

The following overview answers questions about opening an account online:


How can I open an account online?
Opening and funding your account online is secure, fast, and easy. Simply click the link below to get started. Once your application has been received we will send you an email letting you know if it is approved, as well as any additional steps.

  • Your social security number.
  • Your driver's license or state issued ID number.
  • Information about any loans or mortgages that you may have to help us confirm your identity.
  • For instant funding, you will need your current bank account and routing number.
  • If applying for a joint account, you will need the secondary applicant's name, social security number and date of birth.
  • A working printer in order to print disclosures, signature cards and other important documents.

What do I need to open a joint account?
You will need the same information that is needed when opening an individual account, only you will need it for both applicants. See the question and answer above for more details. Please note that each applicant will need to sign the signature card.

What type of accounts can I apply for online?
You can apply for a Checking, Savings, or Money Market account through our online account opening process. To apply for a CD, please call our 24-Hour ExpressBank.

Can I apply for a loan online?
Yes, you can apply for a loan online by clicking here.

Can I apply for a business account online?
No, however our 24-Hour ExpressBank can process your account application by phone.

How do I fund my new account?
For instant funding, you will need your current bank account and routing number. This process may require you to verify account ownership in one of a two ways. Please allow 2-3 business days for your transaction to be deposited into your new account. As another option, you may choose to mail us a paper check to fund that account.

How much can I initially deposit into my new account when applying online?
For Checking accounts, you can fund your new account with as little as $50 with a $1,000 maximum amount. For Savings accounts, the range is from $25 to $1,000 and a Money Market is from $100 to $1,000.

How long will it take to open an account when I apply online?
Your application will be processed and your account(s) will be loaded onto our system within 1-2 business days of you completing all steps of the application. Many times a decision is given to you as you progress through the application. At times we may need to place your account(s) into a Pending status while we attempt to contact you for additional details. Please note the funding of your account(s) can take 2-3 business days.

What's a promotional code?
A promotional code is a set of numbers and/or letters that you may receive from us in conjunction with a promotion we are doing. Not all applications will have a promotional code, so if you did not receive a promotional code from us via direct mail, Web offering, etc., then proceed to through the application without entering a code.

How do I navigate through the application?
Once you complete each page of the application you will be automatically taken to the next page in the application. To return to the previous step in the application, click the Previous Step button at the bottom of the page.

What happens when I complete the application?
Upon completion of all of the application steps, your account(s) will be loaded in our system. The initial funding of your account can take 2-3 business days before you will see that amount in your balance. You will need to mail in your signature card within 10 days of account opening. If applicable your debit card(s) and checks will be sent to you in the mail within 7-10 days of funding. You should expect to hear from us shortly after opening your account to see if you have any questions.

What's a signature card? Why do I need to mail it back to you?
A signature card allows us to service your account. It is important to sign and mail your signature card to us as soon as possible. If you are applying for a joint account, please make sure both people sign the signature card.

How do I get my account opening documents if I open an account online?
As part of the online account opening process, you will be asked to give consent to receive account opening documents and notices from us electronically. We encourage you to print or save copies of these documents. Some of the disclosures, rate information and terms and conditions are in Adobe Acrobat PDF format and require Adobe Reader to open. If you don't have Adobe Reader on your computer please click here* to download it for free.

When will I know my account has been opened?
You will receive an email from us letting you know your account is open and ready for you to use. Once you receive your debit card (if applicable) we encourage you to enroll for Online Banking using our automated enrollment process. Should you want to enroll for Online Banking before receiving your debit card or if you did not request a debit card, please visit one of our convenient locations.

Why did my application time out?
For security reasons, if your online account application is idle for more than 15 minutes it will be automatically be timed out. You will need to either restart your application or continue the existing application.

How secure is my information?
We are committed to making sure that your personal information is safe and secure. With our security infrastructure in place, we are confident that access to your account is private and secure. For more information, click here.

How do I fund my account if I don't already have a bank account?
You may choose to mail in a check or money order to fund your account. To avoid having it returned to you, such items must be made payable to you exactly as your name appears on your application. Additionally they should be endorsed by you. You may also contact our 24-Hour ExpressBank and process your account application by phone.

Bill Pay

The following provides answers to questions you may have about Bill Pay:


What is Online Bill Pay?
Online Bill Pay is a service that lets you pay your bills using the Internet. It's easy and fast. No checks to write, no envelopes to address and no stamps to lick.

What can I do through Online Bill Pay?
In addition to the services provided through Online Banking, you will be able to:

  • Schedule automatic payments for recurring bills of the same amount like your mortgage loan.
  • Make payments to several payees from one screen.
  • Make simple payments for different amounts at different times like your phone or utility bill.
  • Review upcoming scheduled payments and make changes or cancel the payments.
  • Set up Bill Pay Alerts using Online or Mobile banking to notify you when a payment has been made.

How much does Online Bill Pay cost?
Refer to your product brochure for applicable fees for the use of the Service.

What type of account do I need for Online Bill Pay?
To use Online Bill Pay, you will need a personal or small business checking account. Bill Pay payments may be made only from an eligible checking account. Money Market and Savings are not eligible for Bill Pay.

How do I enroll for Online Bill Pay?
If you are already enrolled in Online & Mobile Banking, you may enroll in Bill Pay using the following methods for both business and personal accounts:

  • Enroll using Online Banking: Select “Enroll in Bill Pay” from the Actions and Tools menu where you will be prompted with the Bill Pay Terms and Conditions. Once you have reviewed and accepted the Terms and Conditions, you will be enrolled and ready to use Bill Pay.
  • Enroll using the Mobile Banking app: Select “Bill Pay” from the menu where you will be prompted with the Bill Pay Terms and Conditions. Once you have reviewed and accepted the Terms and Conditions, you will be enrolled and ready to use Bill Pay.

To whom can I make payments?
Online Bill Pay may not be used for the following types of payments:

  • Payments to settle securities transactions
  • Payments to pay off special or delayed financing for purchases
  • Payments to credit counseling agencies that pay creditors on your behalf
  • Payments to payees outside of the United States
  • Court-ordered payments such as alimony, child support, speeding tickets, etc.
  • Tax entities
  • Collection agencies

When will payments be sent using Online Bill Pay?
If you submit your payment request prior to 7 p.m. (CT) on a business day (Monday-Friday, excluding holidays), the payment will be sent the following business day. If your payment request is made on a non-business day, the payment will be processed on the next business day and sent the following business day. When scheduling a future dated or recurring payment, if the process date falls on a non-business day, the payment will be processed on the previous business day and sent the following business day. We recommend that all process dates you select be at least seven business days before the actual "payment due date," not the late date and/or grace period. Funds will be withdrawn from your account according to the Terms and Conditions. See the FAQ below.

When will funds be deducted from my account?

  • Payments made Electronically: Funds are deducted from the processing account on the selected process date and remit funds to the designated payee on your behalf. The payment is estimated to arrive within two business days.
  • Payments made via Paper Check: We process a paper check containing routing number and transaction account number to the designated payee on your behalf. The funds will remain in your account until the check has been presented for payment. The payment is estimated to arrive within five business days.

What if my payee doesn't appear in the list and I have to add it manually?
After entering the name of the payee you would like to set up, a list of merchants will appear. If you see your payee on this list, please select that payee as this will help ensure the payment is sent electronically. If you do not see your payee on this list, simply add it manually. In both cases, your payee will be successfully added to your list of payees.

How are my bills paid?
Payments are sent electronically or by check depending on the merchant's arrangement with our Bill Pay processor.

How do I know if my payment will be sent electronically or by mail?
Select "Manage Payees" from the Actions and Tools menu where you will see a list of your active payees. The Delivery Method for each payee will state whether the payment will be sent electronically or by mail along with an Estimated Delivery time.

How do I add a Payee in Online Bill Pay?
Select “Manage Payees” from the Actions and Tools menu and then select Add a Payee. In the Payee Name box, simply type in the name of the merchant or person you wish to add and click Search. If you see your merchant on the list provided, select the merchant and click Next. If you do not see your merchant on the list, simply click Add Manually. Enter the requested information for the merchant and click Next. Confirm the information was entered correctly and click Add Payee. Once the payee has been added, you can schedule a payment.

How do I know if a payment was received?
You can verify that a payment was processed by checking your Payment History. A "Paid" status indicates a payment has been sent. Electronic payments are debited once they have been processed and accepted by the payee. When a paper payment clears your account and the funds are debited from your account the check has been cashed.

How far in advance should I set up payments?
In general your scheduled payment date should be at least seven business days from the date you set up a payment. However, the number of days required to make a payment can vary by payee based on the method your payee receives and processes payments.

Can I schedule recurring payments?
Yes, select “Schedule Payments” from the Actions and Tools menu and enter the bill payment amount for the associated payee. Next, select “Recurring Payment” and choose the frequency and number of payments to occur. This feature allows you the convenience of scheduling payments to be made on an ongoing basis. This feature is especially convenient for setting up payments that are for the same amount and made at regular frequencies like your mortgage (every month), water bill (every other month) or car insurance (twice a year). You can schedule recurring payments to be made weekly, every two weeks, twice a month, monthly, every four weeks, every two months, quarterly, every six months and once a year.

Can I pay multiple merchants at one time?
Yes, select “Schedule Payments” from the Actions and Tools menu and enter the bill payment amounts for the associated payees. A running total of payments will populate at the bottom of the screen. This allows you to pay multiple payees from one screen. Simply fill in the required information for the payees you wish to pay and click Next. Confirm this information was entered correctly and click Confirm and Pay.

What are pending payments?
Pending payments are payments you have scheduled through Online Bill Pay, which have not yet been processed and sent to the payee.

Can I cancel or edit payments?
Yes. You may cancel or edit scheduled payments up until 7 p.m. (CT) on the day your payment is scheduled to be processed.

If I cancel a payment, how will I know that the payment wasn't processed?
The payment will no longer appear on the Pending Payments screen. Instead, next time you log on to Online Banking, the payment will appear in your Payment History having a status of Cancelled. Payments may be cancelled online up to 7 p.m. (CT) on the scheduled process date.

Checking and Savings Solutions Brochure
Glossary of Terms

The following provides you an overview and definition of key financial terms:


Annual Percentage Yield (APY): A percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.

ATM Transactions: Includes all deposits, withdrawals, account transfers and inquiries at any ATM.

Available Balance: Your previous day's ledger balance, minus holds placed on your account by us, minus withdrawals and transfers from your deposit accounts made at a terminal or through Bank of Oklahoma' 24-Hour ExpressBank plus transfer credits. Cash deposits and checks cashed at the Bank, along with ACH credits and debits to be posted to your account during the day may increase or decrease the available balance.

Average Collected Balance: For maintenance fees, we take the sum of the collected balance (positive or negative) in the account for each day of the period divided by the number of days in the period.

Average Daily Balance Method: The application of a periodic rate to the average daily balance. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Average Ledger Balance: The sum of the ledger balance (positive or negative) in the account for each day of the period divided by the number of days in the period.

Bank of Oklahoma's 24-Hour ExpressBank: It's full-service banking by phone 24-hours a day, 365 days a year even holidays. (800) 234-6181

Bank of Oklahoma's TransFund ATMs: Bank of Oklahoma's TransFund ATMs are identified by the Bank of Oklahoma name and logo or special decal.

Charge Back: Occurs when you cash or deposit a check drawn on another account and it is returned against your Bank of Oklahoma account.

Collected Balance: Derived after all transactions have been posted to your account, yet includes only those funds which actually have been collected or paid by us.

Cross Border Transactions: Those ATM and Debit Card transactions processed outside the United States.

Daily Balance Method: The application of a daily periodic rate to the balance in the account each day.

Dormant Account: A Checking or Savings Account will be considered dormant if a statement for such Account is returned as undeliverable and following reasonable efforts the customer cannot be located; and the Account has had no owner-generated activity during a statement cycle.

Insufficient Funds Fee: A fee charged for processing those checks you write which are for more than your account balance, when the items are returned unpaid.

Ledger Balance: Derived after all transactions have been posted to your account, regardless of whether the funds actually have been collected or paid by us.

Overdraft Fee: A fee charged for processing those checks you write which are for more than your account balance, when we pay the item.

Terminals: Automated Teller Machines (ATMs) and other electronic machines in which you may use your TransFund ATM Card or Bank of Oklahoma Debit Card.

Tier Rates: Administered rates which may change daily at the discretion of the Bank based on market conditions and may vary by type of account.

Transfer Credits: Transfers from one deposit account to another made at a terminal or through Bank of Oklahoma's 24-Hour ExpressBank.

TransFund: Automated teller network.

Mobile Banking

What is Mobile Banking?

Mobile Banking is Online Banking access via the use of an application (app) for Android or Apple devices. Mobile Banking comes in two forms: the Apple app (iPhone/iPad/iPod) and the Android app.

Mobile Banking offers most of the same features of Online Banking and uses the same username, password and security questions.

More information about Mobile Banking:

How do I enroll in Mobile Banking?

For Personal Accounts, you will need the following:

  • Access to the Online Banking website or Mobile Banking App
  • Bank of Oklahoma account number.
  • Debit/ATM card number and PIN.
  • Social security number.
  • Email address to enroll using our Online Enrollment process.

If you do not have this information, you will need to visit one of our convenient locations to enroll in person.  

 

For Personal Accounts: You can enroll for Online and Mobile Banking via the Mobile Banking app with the above information. Once you have downloaded the app from the iTunes App Store or from the Google Play Store, open the app and select Enroll at the bottom and follow the prompts. You will be asked to set up your security questions during enrollment.

 

 

You may also enroll using the website. From the homepage, select Online Banking & Bill Pay from the “Apply Online” dropdown. You will then be directed to the enrollment page where you will simply follow the prompts to complete enrollment.

 

 

For Business Accounts: You will need to complete and sign the Business Online Banking enrollment form located at Business Online Banking. You can bring your completed enrollment form to any of our convenient locations to enroll in person or you can mail or fax it to us. If you choose to mail or fax your enrollment form, we will process your request within two business days of receiving your completed form and send you an email with instructions for logging on. Once you have enrolled, logged in and set up your security questions and answers, you will be able to use Online and Mobile Banking.

 

NOTE: You will need a username and password to access your accounts online and in mobile. A username and password are created during the enrollment process.

Customer Support

What if I have more questions or need assistance?

If you can't find the answers to your questions online, please call (800) 234-6181.

General Questions

What accounts can I access through Mobile Banking?

You can access your personal checking and savings, money market accounts, installment loans, home equity loans and lines of credit, mortgage loans, personal lines of credit, certificates of deposit (CDs), and IRAs. To access these accounts, you must have a valid checking, savings or money market account to enroll.

What services are available to me through Mobile Banking?

Mobile Banking provides a safe and convenient way to do your banking while on the go. You can check account balances, view transactions, transfer funds, find ATM and Banking Center locations and more. You can even pay bills online if you sign up for Online Bill Pay.

How much does Mobile Banking cost?

Mobile Banking is a free service, however, please check with your phone carrier regarding applicable charges and fees that may apply from use of their service.

What if I forgot my Username or Password?

You can use the “Need Help Logging In?” link on the Mobile Banking login page to retrieve your username and/or reset your password. If you are unable to successfully retrieve your username or password using the link you can visit one of our banking centers or call ExpressBank at (800) 234-6181.

How far back can I see transaction history?

YYou may access up to 18 months of transaction history. Mobile Banking will display your most recent transactions by default.

What is a pending transaction?

Pending transactions include credits and debits that have not yet posted to your account history. This may include items such as debit card purchases, cashed checks, and other holds applied to your available balance. A purchase made with your debit card will debit your account at the time of the transaction and the funds are placed on temporary hold for up to three business days (for most transactions) or until the items clears. If we do not receive the completed transaction from the merchant within that time frame the pending debit is released. Once we receive the completed transaction from the merchant the debit will post to your account history.

In some cases the amount of the pending transaction may not match the actual amount of the transaction. This is because some merchants request us to authorize a general amount such as $1 or the amount that they estimate you will spend, which could be higher or lower than the actual amount of the transaction. When the transaction posts, your account is charged the amount of the transaction presented by the merchant. Some debit card transactions may not show as pending transactions and may not affect your available balance until they post.

Can I view images of checks in Mobile Banking?

Yes. Just go to your list of accounts and tap on an account. When the account activity is displayed, just look for that item and click the link. Images are generally posted by 11 a.m. (CT) for all checks that cleared the previous business day.

Can I view images of deposited checks in mobile banking?

Yes. You can view images of checks that were deposited at a banking center or via Mobile Deposit.  Just go to your list of accounts and select the desired account. When the account activity is displayed, look for the deposit in question and click on the link. Images are available when deposits post to your account transaction history.

What Mobile Operating System versions are compatible with Mobile Banking?

For the best user experience it is recommended that your device has the most recent operating system version installed.

  • The Apple app is available for iPhones, iPads, and iPod touch devices with iOS (operating system) of 8.0 or greater. Available for download through the iTunes App Store.
  • The Android app is available for Android phones and tablets with an operating system of 4.0 and greater. Available for download through the Google Play Store.

How accurate is the locator?

Directions and maps regarding our banking locations and ATM’s are for informational purposes only. The accuracy of the locator is dependent upon your device’s ability to determine your location.

How do I update my account nicknames?

iPhone users: Log into Mobile Banking, choose “Account Preferences” from the menu, and select “Customize Account Display” to easily update account nicknames.
Android users: Log into Online Banking, access the Self Service tab, and select “Manage Account Preferences” to easily update account nicknames.

Mobile Transfers

How can I change or cancel a future-dated transfer?

For future-dated transfers initiated within Online Banking or Mobile Banking, they can be cancelled by clicking on Pending Transfers, selecting the item and deleting the transfer.

What is the cutoff time to transfer funds?

The cutoff time for transferring funds is 10 p.m. (CT). Funds transferred after 10 p.m.(CT) or on weekends and holidays will be processed on the next business day.

Mobile Bill Pay

What can I do through Mobile Banking Bill Pay?

Once you enroll in Online Bill Pay, you will be able to do the following in Mobile Banking:

  • Add payees.
  • Schedule one-time, future dated, or recurring payments.
  • Confirm, edit or delete payee information.
  • Review upcoming scheduled payments and edit or cancel them if needed.

How do I enroll for Online Bill Pay?

You must have a checking account to enroll and already be enrolled for Online and Mobile Banking.

From within the Mobile Banking app, select Bill Pay from the menu and then review and accept the Terms and Conditions.

From within Online Banking, select Enroll in Bill Pay from the Actions and Tools menu. Once you review and accept the Terms and Conditions, you will be enrolled and ready to go.

If you have a small business account, simply follow the same steps as above to complete Bill Pay enrollment.

When will payments be sent using Online Bill Pay?

If you submit your payment request prior to 7 p.m. (CT) on a business day (Monday-Friday, excluding holidays), the payment will be sent the following business day. If your payment request is made on a non-business day, the payment will be processed on the next business day and sent the following business day. When scheduling a future dated or recurring payment, if the Process Date falls on a non-business day, the payment will be processed on the previous business day and sent the following business day. We recommend that all Process Dates you select be at least seven business days before the actual payment due date, not the late date and/or grace period. Funds will be withdrawn from your account according to the Terms and Conditions. See the FAQ below.

When will funds be deducted from my account?

Payments made electronically: We charge your transaction account on the selected Process Date and remit funds to the designated payee on your behalf. The payment is estimated to arrive in two business days or before.

Payments made via Paper Check: We process a paper check containing your transaction account routing number and transaction account number to the designated payee on your behalf. The funds will remain in your transaction account until the check has cleared. The payment is estimated to arrive in five business days or before.

How do I add payees?

Once in Mobile Banking, select the Bill Pay tab and then select Manage Payees. You will then select the “+” symbol in the top right corner to add a new payee.

How do I know if my payment will be sent electronically or by mail?

In Mobile Banking, if you select the Pay To tab from the Make a Payment screen it will tell you the estimated delivery days. A payment with an estimated delivery of two days is sent electronically and five days is sent by mail.

How far in advance should I set up payments?

In general your payment date should be at least seven business days from the date you set up a payment. However, the number of days required to make a payment can vary by payee based on the method your payee can receive payments.

What are "pending payments?"

Pending payments are payments you have scheduled through Online Bill Pay, which have not yet been processed and sent to the payee.

Can I cancel payments in Mobile Banking?

Yes. You may cancel a scheduled payment up until 7 p.m.(CT) on the day your payment is scheduled to be processed.

If I cancel a payment, how will I know that the payment wasn't processed?

The payment will no longer appear on the Pending Payments screen. Instead, next time you log on to Online Banking, the payment will appear in your Payment History having a status of Cancelled. Payments may be cancelled online up to 7 p.m.(CT) on the scheduled process date.

Mobile Security

Why am I being presented with security questions when I try to login?

In order to protect you and your financial information, you may be asked security questions from time to time. These questions provide an additional layer of security to help ensure your information is kept safe. You may also choose to register your mobile device upon logging on.

What if I don't remember the answers to my questions?

If you are presented a security question and do not remember the answer, you can use the "Need Help" link within the Mobile Banking app to reset your security questions. If you are unable to reset your security questions using the “Need Help” link you will need to contact ExpressBank for assistance, (800) 234-6181 during business hours.

What can I do to keep my information secure?

You provide one of Online Banking's most important safety features by protecting your online password making sure no one can see the password as you log in to Online Banking or Mobile Banking and selecting log off when finished.

Touch ID

What is Touch ID?

Touch ID is the ability for the iPhone or iPad sensor to read your fingerprint and unlock your iPhone or Mobile Banking app.

What devices support Touch ID?

  • iPhone 5s
  • iPhone 6 & 6s
  • iPhone 6 Plus & 6s Plus
  • iPad Air 2
  • iPad mini 3
  • iPad Pro

How do I set up Touch ID for my Bank of Oklahoma Mobile Banking app?

First, you need to set up Touch ID under the device settings on your iPhone or iPad found at Settings>TouchID & Passcode. Once you have enabled Touch ID, navigate to the Bank of Oklahoma Mobile Banking App and the app will automatically prompt you to set it up.

What if I did not opt to set up Touch ID login for the Bank of Oklahoma Mobile Banking app when I was prompted?

You can still set up Touch ID under account preferences found on the main menu of the app. To find the Touch ID settings go to Account Preferences>Login Settings>Touch ID.

How secure is it to use Touch ID as my password to log in to Bank of Oklahoma Mobile Banking app?

Your fingerprint is one of the safest passwords in the world because it is always with you, and no two are exactly alike. When you use Touch ID it creates a mathematical representation of your fingerprint. This fingerprint data is encrypted and securely stored in the iPhone’s secure enclave. This hardened section of your phone provides extra protection against anyone who might try to obtain unauthorized access to your data. Any data protected by TouchID can only be decrypted when a matching fingerprint has been used to unlock your device. Using Touch ID is just as safe, if not safer, than using a user name and password to login.

What do I do if I would like to turn off Touch ID for the Bank of Oklahoma Mobile Banking app?

You can turn off Touch ID in the device settings on your iPhone or iPad or in the Mobile Banking app. Go to Settings>TouchID & Passcode to turn off Touch ID on your device. To turn it off in the Mobile Banking app, go to Account Preferences>Login Settings>Touch ID from the main menu of the mobile banking app.

 

Online Banking - Overview

The following provides answers about Online Banking:


What is Online Banking?
Online Banking is a free Internet-based service that provides a safe and convenient way to do your banking online from anywhere that offers Internet access. You can check account balances, transfer funds, order checks, place stop payments and more.

Do I need anything special to use Online Banking?
No, nothing special is required. All you'll need is the following:

  • An eligible Bank of Oklahoma deposit account. All personal and business accounts are eligible for free Online Banking, but certain account ownerships limit Online Banking to view-only privileges.
  • A desktop/laptop computer or mobile device such as a smartphone or tablet.
  • Internet Access
  • Internet Browser: We recommend that clients use the most recent version of Google Chrome, Firefox, or Microsoft Internet Explorer to take full advantage of our Online Banking services. The Internet browser must support 128-bit encryption.

Can I begin using the service immediately?

For Personal Accounts: Yes.

You can enroll through our website, mobile app, or at any branch location. To enroll via our website or mobile app, you will need the following information:

  • Personal Account Number
  • ATM/Debit Card Number and PIN
  • Social Security Number
  • Email Address

For Business Accounts: 

You may visit a banking center to complete enrollment. Alternatively, you can complete the Business Online Banking Application on our website and return it via one of the following methods:

  • Fax: (866) 781-0254
  • Email: onlinehelp@bokf.com
  • Mail:
    BOK Financial Online Banking
    PO Box 2300
    Tulsa, OK 74192

We will process your request within two business days of receiving your completed form and send you an email with instructions for logging on.

Can I use Quicken or Quickbooks with Online banking?

Yes. Web Connect allows you to automatically download your transactions from Online Banking to reconcile your accounts all in one easy step. For more information on how to download your transaction information, just click on Quicken or Quickbooks.

How do I sign up?

  • For Personal Accounts: You may visit one of our convenient locations to enroll in person, or you may enroll through our website or mobile app. To enroll using the website or app, you will need the following:
    • Personal Account Number
    • ATM/Debit Card Number and PIN
    • Social Security Number
    • Email Address
  • To enroll using the website, select Online Banking & Bill Pay from the “Apply Online” drop-down menu. Once you review and accept the Terms and Conditions simply follow the prompts to complete enrollment.
  • To enroll using the Mobile Banking app, open the app and select Enroll at the bottom of the screen. Once you review and accept the Terms and Conditions simply follow the prompts to complete enrollment.
  • For Business Accounts: You may visit a banking center to complete enrollment.  Alternatively, you can complete the Business Online Banking Application on our website and return it via one of the following methods:
    • Fax: (866) 781-0254
    • Email: onlinehelp@bokf.com
    • Mail:
      • BOK Financial Online Banking
        PO Box 2300
        Tulsa, OK 74192
  • You will need a username and password to access your accounts online. A username and password are created during the enrollment process.

Why am I having problems enrolling online?
There are several possibilities. Typically, online enrollment shouldn't be a problem; however, there may be reasons why your enrollment cannot be processed online. Some of these conditions may be incomplete account information or an account type that is inaccessible online. Visit one of our convenient locations or call our ExpressBank and they can help you through the enrollment process.

What if I have more questions or need assistance?
If you can't find the answers to your questions online, please call our ExpressBank.

Online Banking - Alerts

What different Online Banking alerts can I set up?
There are many options available. You may choose from the following alerts below and receive them by email and/or push notification.

Deposit Alerts
Deposit A deposit alert will be sent when a branch, ATM or mobile deposit exceeds the amount you set.
Direct Deposit A Direct Deposit alert will be sent when a direct deposit is posted to your account.
Incoming Wire Transfer An alert will be sent when a wire transfer is credited to your account.
Debit Card Return An alert will be sent when funds from a return of goods or services are re-posted back to your account.
Withdrawal Alerts
ATM Withdrawal An ATM Withdrawal alert will be sent when an ATM withdrawal exceeds a dollar amount you set.
Bill Payment A Bill Payment alert is sent when an electronic bill payment has posted to your account.
Check Posted Check Posted alerts are sent when a check posts to your account that exceeds the dollar amount you set.
Check Number A Check Number alert will be sent when a check posted to your account matches a check number you specified.
Debit Card Debit Card alerts are sent when a transaction has posted to your account that exceeds the dollar amount you set.
Online or Mobile Transfer You will receive an Online or Mobile Transfer alert (withdrawal only) when an online banking transfer occurs and exceeds the dollar amount you set.
Electronic Deduction (ACH) Electronic Deduction (ACH) alerts are sent when an electronic draft is deducted from your account that exceeds the dollar amount you set.
Outgoing Wire Transfer An Outgoing Wire Transfer alert will be sent when funds are wired out of your account.
Account Status Alerts
Low Balance A Low Balance alert will be sent when your account balance falls below a dollar amount you set.
Daily Balance A Daily Balance alert will be delivered advising you of the balance on your account.

NOTE: Mobile Alert push notifications can only be edited when using the mobile app and not within Online Banking.

How do I enroll in Online Banking Alerts?
By default, you are automatically enrolled into Online Banking Alerts. Refer to “How do I set up an alert?” for activating alerts.

How do I set up an alert?
Log in to Online Banking and select Actions and Tools at the top of the page. Select Manage Alerts and click the plus sign next to the type of alert you want to configure. Enter the amount and destination for the alert and then click save.

How do I turn off an alert?
Log in to Online Banking and select Actions and Tools at the top of the page. Select Manage Alerts and click the plus sign next to the type of alert you want to turn off. Find the specific alert and select OFF and confirm you wish to Turn Off Alert. If you have a Push Notification enabled for the alert, you will need to log in to Mobile Banking to disable it.

How do I delete Online Banking Alert history?
Log in to Online Banking and select Actions and Tools at the top of the page. Select Alert Center and click the plus sign next to the desired alert type. You have the option on the right side of the page to delete individual alerts or all alert history.

How do I receive an alert from Online Banking?
You will receive Online Banking Alerts through email. Select Manage Alert Destinations under the Actions and Tools menu to add or change email addresses for delivery.

How do I change my primary email address for alerts?
Select Manage Alert Destinations under the Actions and Tools menu to add or change email addresses for alert delivery.

How soon will I get an Alert?
In general, our Alerts are sent close to real-time. This means we will do our best to notify you of the selected activity as close as possible to the time it actually occurred.

Will Alerts help to prevent banking fees?
Online Banking Alerts can help prevent fees by allowing you to actively manage your bank accounts at your convenience, anytime, anywhere. We do our best to provide alerts in a timely manner with accurate information, but alerts may be delayed or prevented by a variety of factors beyond our control. We cannot guarantee the delivery of alerts nor the accuracy of the content. We are also not responsible for any actions taken (or not taken) by you or any third party as the result of an alert.

Online Banking - Download to Quicken

How do I download my account information into Quicken?
Using Online Banking and Quicken® Web Connect, you can download transaction data for your accounts into Quicken 2013 or newer. Web Connect enables you to download transactions without duplication and to easily add accounts into Quicken. There is no enrollment process, and no fee for using Web Connect. Note: You can only download the previous 90 days of transaction history.

If you are using Quicken 2013 or newer, please follow these steps to download, import and reconcile transactions in your software:

  1. Create a backup of your Quicken file
  2. Click the Accounts tab, from the top navigation bar within Online Banking
  3. Select an account
  4. Click the blue Download under the Account Summary graph
  5. Change the Download type to Quicken QFX
  6. Select the date range
  7. Click the Download button to begin the download process. This will allow you to use Web Connect technology to download information to your PC
  8. Depending on your browser, you will be asked what you want to do with the download file. Select "Open this file from its current location" to have the transactions saved to Quicken. Note: More recent versions of Microsoft Internet Explorer will not require this step
  9. Follow the on screen instructions. You may set up a new account entry or link the transactions to an existing account

What is Web Connect?
Web Connect allows you to automatically download your transactions from Online Banking, launch your Quicken software, and reconcile your transactions all in one easy step. With Web Connect, there is no more searching for downloads and importing Quicken Interchange Format (QIF) files, and no more duplicate transactions due to multiple QIF downloads.

What is Express Web Connect and One-Step Update?
One-Step Update uses Intuit’s Express Web Connect to automatically download transactions from your accounts when you select the Update option.

How do I download transactions using One Step Update (Windows Only)?
From the Home page, click the circular arrow in the upper left. Enter Vault Password when prompted and select Update Now.

What if One Step Update fails?
If One Step Update fails, you may use the Web Connect method to download your transactions or contact Express Bank to assist in troubleshooting.

Can I download my checking account history into QuickBooks®?
Yes, you can use Web Connect or One Step Update to download, although, you must be using QuickBooks® version 2013 or higher.

How do I download my account information into QuickBooks®?
Refer to the instructions for Quicken, as it is the same process. When using Web Connect, select the QuickBooks QBO file type when downloading your transactions from Online Banking.

Why aren’t my pending transactions showing in Quicken?
Only posted transactions will be included in the downloaded information. For example, let’s say you have a direct deposit showing as pending on Monday. It will not post to the account until Monday evening. Once the item is posted to the account, it will be available to download the next business day which, in this example, would be Tuesday.

Why aren’t all of my accounts available?
We provide account information for Checking, Savings, and Money Market Accounts. We do not provide online account download history for CDs, Loans or Mortgages.

How much Transaction History can I download?
You can access up to 90 days of transaction history from today's date or up to your previous 500 transactions, whichever is less. Online Banking will download your most recent transactions by default, but you can use our date range feature to download more transactions.

Online Banking - Features

The following provides answers about Online Banking Features:


How much Transaction History can I view online?
You can access up to 18 months of transaction history from today's date. Online Banking will display your most recent transactions by default, but you can use our search feature to display more transactions.

Can I view images of checks online?
Yes. Expand your “Deposit Accounts” and select the account you want to review. Go to “Recent Transactions” to locate the item you wish to view, and click on the link. Images are generally posted by 11 a.m. (CT) for all checks that cleared the previous business day.

Can I view images of deposit slips online?
Yes. Expand your “Deposit Accounts” and select the account you want to review. Go to “Recent Transactions” to locate the item you wish to view, and click on the link. Images are posted by 11 a.m. (CT) on each business day. Only images of the deposit slip are available and not the backup.

When are images of checks and deposit slips typically available?
Images are generally posted by 11 a.m. (CT) for all checks that cleared or deposits made on the previous business day.

Can I print or save the transaction information and check or deposit slip image?
Yes, you can do both. Start by viewing the image. To print, right click on image, and select “Print”. A printer friendly version of the image will appear and you can click Print. If you want to save the image, just right click on it and select Save Picture As from the menu. Choose which folder you would like to save the image to and click Save.

What if an image of a check or a deposit slip is unavailable?
In some cases, we may not be able to capture the image electronically. If it is after 1 p.m. (CT) on the day the image should appear online and you need a copy of this check or deposit slip, please click on Services in the Actions and Tools menu, complete the appropriate form and a copy will be mailed to you.

Do I need anything special to use Online Banking?
You will need a modern web browser with 128-bit encryption. We built our Online Banking website using the latest technology to provide our clients with a faster, easier, mobile-friendly experience. Unfortunately, some browsers aren't supported. We support the following modern browsers:

  • Microsoft Edge
  • Internet Explorer
  • Google Chrome
  • Firefox
  • Safari

You'll also need the following:

  • An eligible Bank of Oklahoma deposit account. If you already have an eligible account with us, you'll be able to gain access to your account information online.

What if I have more questions or need assistance?
If you can't find the answers to your questions online, send us a secure message or call our ExpressBank. To send a secure message, go to the Actions and Tools menu and select "Send a Secure Message".

How do I contact Bank of Oklahoma with a question about Online Banking or Online Bill Pay?
Simply log on to Online Banking and click the "Actions and Tools" menu, then select "Send a Secure Message". This will allow you to send us a secure message. If you are not an Online Banking user, simply click the Contact Us link from our homepage.

How can I make finding accounts I need to access easier?
From the Account Summary page, select "Customize" to create a memorable name for all of your accounts accessed through Online Banking. You will be able to name accounts according to their intended purpose like tuition expenses, vacation funds or children's savings account.

What if I forgot my username or password?
You can use the "Need Help Logging In?" link on the Mobile Banking login page to retrieve your username &/or reset your password. If you are unable to successfully retrieve your username or password using the link you can visit one of our banking centers or call ExpressBank at (800) 234-6181 for assistance.

Can I change my email address online?
Yes. Simply go to the Welcome menu at the top of Online Banking. Select "Change Contact Information", then "Update". Change the necessary information then click "update" to finish.

Can I change my mailing address online?
Yes. Simply go to the Welcome menu at the top of Online Banking. Select "Change Contact Information", then "Update". Change the necessary information then click "update" to finish.

Can I order checks online?
Absolutely. Simply sign on to Online Banking, go to the Actions and Tools menu, select "Order Checks", then select the account and click "Next". You will have the ability to customize your check order with different check designs, formats and quantities.

Can I set Online Banking and Online Bill Pay alerts to monitor my account activity?
Yes. Sign on to Online Banking, go to the Actions and Tools menu, then select Manage Alerts.

Can I view paper statement for my accounts online and stop the delivery of my paper statement?
Yes. You can access up to 7 years of statements online to view and print anytime. To turn off paper statements, go to the Actions and Tools menu and select Statements and Tax Forms. Next, select Manage Statement Preferences and use the slider to choose Online Only. Save the changes and accept the Terms and Conditions to complete the update.

How will I know when my Online Statement is available?
You will receive an email to your primary email address designated within Online Banking when your new statement is available. To change your email address, go to the Welcome menu at the top of Online Banking, then select "Change Contact Information", then select Update Contact Information. You will also receive a push notification to your mobile device if you have the mobile app installed.

How can I can change or cancel a future-dated transfer?
For transfers initiated within the Online Banking, future-dated (or recurring) transfers can be changed or cancelled by going to the Actions and Tools menu, then selecting Pending Transfers and clicking "View/Edit". 

Can I make my funds transfers recurring?
Yes. To set up a transfer go to the Actions and Tools menu, then select Add New Transfer, complete the necessary information and select Recurring, next to the date.

Online Banking - Security Protection

The following provides answers to questions you may have about Online Banking Security:


Why do I need security questions and answers?
Security questions and answers help to ensure your information is secure by protecting you from fraud. If our security tools detect unusual or abnormal patterns while logging on to your Online Banking account, you will be challenged using one of the questions and answers you provided. The security questions and answers, coupled with your password could be required to access Online Banking. The security questions and answers provide an extra layer of protection.

Why am I being presented with security questions when I try to log in?
In order to protect you and your financial information, you may be asked security questions from time to time. These questions provide an additional layer of security to help ensure your information is kept safe.

Will I be asked security questions every time I login?
No, this will only happen some of the time when we need to verify your identity using an extra layer of security. There are many factors that may trigger a security question to be presented to you.

Why do I need an extra layer of protection?
Online fraud is becoming more advanced and complex. Adding an extra layer of security helps ensure your financial information is kept safe.

Can I choose which security questions you will ask me?
Yes. During the security question and answer set up, you will select questions to answer.

Can I skip the questions and still access Online Banking?
No. When you are prompted, you must answer the security question correctly before accessing Online Banking.

What if I don't remember the answers to my questions?
If you are presented a security question and do not remember the answer, you can use the "Need Help" link within the Mobile Banking app to reset your security questions. If you are unable to reset your security questions using the “Need Help” link you will need to contact ExpressBank for assistance, (800) 234-6181 during business hours.

Why do I need to set up security questions?
Security questions can help prevent unauthorized users from accessing your account through Online Banking.

Can I access Online Banking from multiple computers?
Yes, you can access Online Banking from multiple computers. You may be ask to answer a security question and will need to do so before accessing Online Banking.

Online Banking - Self Service

The following provides answers to questions you may have about Online Banking Self Service:


What self service features are available with Online Banking?
There are a number of self-service features available through Online Banking.

  • Order checks
  • Request a stop payment on specific checks
  • Order copies of checks
  • Order copies of account statements or enroll for Online Statements
  • Manage statement delivery preferences
  • Change your address
  • Change your email address
  • Customize nicknames for your checking and savings accounts
  • Change your username or password
  • Change your security questions and answers
  • Update your Overdraft Coverage preferences
  • Change your Direct Deposit settings
  • Send secure messages to ExpressBank

How do I contact Bank of Oklahoma with a question about Online Banking or Online Bill Pay?
After logging in to Online Banking, you may send us a secure message from the My Messages menu. You may also navigate to Contact Us from the Actions and Tools menu and select "Send a Secure Message". If you are not an Online Banking user, simply click the Contact Us link from our homepage.

How can I make it easier to find accounts I need to access?
By using the Customize feature on the Account Summary page, you will be able to create a memorable name for all of your accounts accessed through Online Banking. You will be able to name accounts according to their intended purpose like tuition expenses, vacation funds or children's savings account.

 

How do I cancel my Online Banking service?
To cancel your service, please contact our ExpressBank.

Can I change my email address online?
Yes. Simply go to the Welcome menu and select Change Contact Information. Click on Update Contact Information to edit your email address.

Can I change my mailing address online?
Yes. Your account mailing address information can be easily and conveniently changed online. From the Welcome menu, select Change Contact Information, then choose Update Contact Information to edit your address.

Can I order checks online?
Absolutely. From the Actions and Tools menu, select Order Checks and follow the instructions. You will have the ability to customize your check order with different check designs, formats and quantities.

Can I set Online Banking and Online Bill Pay alerts to monitor my account activity?
Yes, there is more than one opportunity to set alerts in Online Banking. From the Actions and Tools menu, navigate to Alerts and select Manage Alerts to get started. You may also set alerts from within each account menu. Just use the I Want To drop down and select Set Alerts.

Can I view paper statement for my accounts online and stop the delivery of my paper statement?
Yes. You can access up to 7 years of statements online to view and print anytime. To turn off paper statements, go to the Actions and Tools menu and select Statements and Tax Forms. Next, select Manage Statement Preferences and use the slider to choose Online Only. Save the changes and accept the Terms and Conditions to complete the update.

If I stopped receiving my paper statements and want to start receiving them again, how do can I do that?
To turn paper statements back on, go to the Actions and Tools menu and select Statements and Tax Forms. Next, select Manage Statements Preferences and use the slider to choose Online + Paper and save the changes to complete the update.

How will I know when my Online Statement is available?
You will receive an email to your primary email address designated within Online Banking when your new statement is available. To change your email address go to the Welcome menu and select Change Contact Information. Click on Update Contact Information to edit your email address. You will also receive a push notification to your mobile device if you have the mobile app installed.

Online Banking - Transferring Funds

The following provides more information about Transferring Funds:


How can I can change or cancel a future-dated transfer?
For transfers initiated within Online Banking, future-dated (or recurring) transfers can be changed or cancelled by selecting Pending Transfers from the Actions and Tools menu. Under Scheduled & In-Progress, select View/Edit next to the transfer item you wish to edit or delete, and follow instructions.

If I make a transfer with Online Banking, when will it be available?
They will occur as same-day transfers as long as they are submitted prior to 10 p.m. (CT) on a business day, to be posted to the receiving account the same business day. Transfers occurring after 10 p.m. (CT) on a business day, or at any time on a weekend or holiday will post to the receiving account effective the next business day.

What types of funds transfers can I do with Online Banking?
With Online Banking, you can conduct the following funds transfers among Bank of Oklahoma online accounts:

  • Checking to checking
  • Checking to savings
  • Checking to installment loan
  • Savings to savings
  • Savings to checking
  • Line of credit to checking
  • Line of credit to savings

What is the cutoff time to transfer funds?
The cutoff time for transferring funds is 10 p.m. (CT). Funds transferred after 10 p.m. (CT) or on weekends and holidays will be processed on the next business day.

Are there limits on the number of transfers I can make?
Many accounts do not have a limit on the number of transfers you can make. However, many savings accounts, by Federal regulation, are not allowed more than six pre-authorized withdrawals or transfers per month (including no more than three checks). Refer to your rules for specific accounts to determine if your account is subject to these limitations.

Can I make my funds transfers recurring?
Yes.

What is the difference between an Online Banking funds transfer and an Online Bill Pay Payment?
An Online Banking funds transfer moves money between select Bank of Oklahoma deposit and loan accounts. An Online Bill Pay Payment is similar to writing a check and payees may be Bank of Oklahoma or third parties.

Overdraft Program - Opt-in Form
Printable Forms
Summary of Fees and Definitions
Tax Savings

More About The Benefits Of A Home Equity Loan or Line of Credit


Save Hundreds of Dollars with No Closing Costs on Home Equity Loans and Lines of Credit!
Home Equity Loans and Lines of Credit at Bank of Oklahoma come with no closing costs, so you can save hundreds of dollars. Use your home's equity to borrow for just about anything--home improvements, bill consolidation, college tuition, or buying a car. And Bank of Oklahoma has great rates! And most home equity loans let you deduct the interest from your taxes. This offer applies to Traditional Home Equity loans and Lines of Credit. It does not apply to the Mortgage Backed Auto Loans. All offers subject to credit approval. You must maintain insurance on your home. Consult your tax advisor regarding interest deductibility. Some restrictions apply. Apply today!

Tax Savings
Use your home's equity for just about anything--home improvements, debt consolidation, college tuition and more. Because most personal interest deductions have been eliminated under current federal tax laws, few products are as attractive as a tax-deductible home equity loan or line of credit from Bank of Oklahoma (please consult your tax advisor regarding deductibility). And with four great choices there's a home equity option to meet every need.

© 2016 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.