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Your Bank of Oklahoma Visa® Debit Card with EMV chip-activated technology is fast, safe, and accepted worldwide.

  • To activate your card now, call (800) 448-8268.
  • For questions about your card, or to report it card lost or stolen, call (800) 234-6181.
  • To order your card, contact an ExpressBanker, or visit one of our banking centers.

It's Easy to Use

Avoid extra trips to the ATM by using your Visa Debit Card to get "cash back" at many merchant locations.

Swipe your card as you do today. If a chip-activated terminal is available, insert your card and follow the prompts. See "Using Your Chip Card" below for more.

View detailed transactions on your account statement, and via online or mobile banking.

It's Safe

Zero Liability1 means you are protected from unauthorized charges when promptly reported.

Because your Visa® Debit Card comes with built-in chip technology, you get an extra layer of security against fraud.

Sign up for Online or Mobile Alerts to get notified of activity on your bank accounts.

It's Convenient

Your Visa Debit Card even doubles as an ATM card giving you free access to more than 400 ATMs Statewide, including all Tulsa-area QuikTrip ATMs and all Oklahoma City-area 7-Eleven ATMs.

Use your Bank of Oklahoma Visa® Debit Card at millions of merchant locations, and for online or phone purchases.

Set up recurring payments from merchants who accept Visa®. Use your card and save! Click here for special offers.2

Using Your Chip Card

You can swipe your card at traditional terminals, but if a chip-activated terminal is available, follow these simple steps:

1. Insert the chip end of your card into the terminal with the chip facing up. 2. Keep your card in the terminal and follow the prompts. 3. Remove your card when prompted and take your receipt.

Choose the Card That Suits You

In addition to the Bank of Oklahoma red card, you can pick from these options:

Debit Card FAQs

What is a chip card?

Chip cards are regular plastic credit or debit cards with an embedded microchip. The chip protects in-store payments because it generates a unique, one-time code that is needed for each transaction to be approved. A chip card also has a magnetic stripe on the back of the card.

Do I need to use a PIN with my chip card?

Just like you do today, you’ll have the option to either sign or enter your PIN for debit purchases.

Can I use my chip card for all the same things as my old card?

Yes, you can still make purchases as you always have — by entering the card number online or swiping your card at merchant locations that do not yet have chip readers. You can also continue to use your card at ATMs.

Where can I use my chip card?

You can use your chip card anywhere Visa cards are accepted. You can swipe your card just like you do today using the magnetic stripe on the back of the card, if a chip-activated terminal is not yet available. The terminal or the cashier will prompt you to insert and leave the card in the terminal until the transaction is complete if it’s activated for chip.

Can I use a chip card at merchant that hasn’t yet updated their terminal?

Yes, just swipe your card using the magnetic stripe the way you always have. You’re still protected from unauthorized transactions with our Zero Liability Policy1.

What if my chip card doesn’t work when I insert it into the chip terminal?

Some merchants may have chip terminals, but they may not yet be activated to accept chip cards. If you are unable to insert your chip card into a chip terminal, you can always swipe your card to complete the transaction. Most often, merchants that haven’t activated their terminals will block the chip slot.

Why does my chip credit card work at the chip terminal but my chip debit card does not?

Until the technology is available everywhere, chip card acceptance may vary by type of payment card at some merchants. During this transition, you can always swipe your card to complete the purchase. And rest assured, you’re protected with our Zero Liability Policy.

How will I know whether to swipe my card or insert it?

Your card will always work either by swipe or insertion. The terminal or the cashier will prompt you to insert the card into the terminal if it’s activated for chip technology. If the terminal is not yet chip-activated, you can always swipe your card to complete the purchase.

Are chip cards more secure than magnetic stripe cards?

All Visa cards offer protection from unauthorized use of your card or account information. Chip technology offers another layer of security when used at a chip-activated terminal, because it generates a unique, one-time code that is needed for each transaction to be approved.

What do I do if my chip card is lost or stolen?

Contact our ExpressBank at (800) 234-6181 to report your card lost or stolen and request a replacement card. Your debit card comes with zero liability protection, so you won’t be liable for any unauthorized transactions you report timely.


1 Covers U.S.-issued debit cards only. Does not apply to PIN transactions not processed by Visa. Cardholder must notify Bank of Oklahoma promptly of any unauthorized use. Certain conditions and limitations apply. Refer to the Agreements and Disclosures for more information.
2 At participating merchant locations

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