Checking Accounts

Free Checking

Checking doesn’t get simpler than this. Free Checking has absolutely no monthly service fee when you sign up for online statements, and is packed with full service benefits!

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Also Available:

Select Checking Premier Checking
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Checking Accounts for All Your Needs

Free Checking

A simplified account with no monthly fees when you choose to receive online statements.

  • All the features of a full-service checking account with no monthly service fee.
  • Access to mobile banking app, online banking, Visa debit card, and more.

Select Checking

An interest-bearing account loaded with perks and discounts.

  • Premier Money Market relationship pricing and discounted rates on personal loans.
  • Avoid monthly fees with minimum balances or a mortgage from us with auto-debit.1

Premier Checking

Exclusive account designed to reward you for your entire banking relationship with us.

  • Financial advisor,2 interest rate bonuses, exclusive discounts, waived fees and more.
  • Avoid monthly fees with minimum balances.3

Find the checking account that's right for you

Select the features most important to you to see which of our accounts are a match. Then get started opening your account online!

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No monthly fee Free VISA® debit card Overdraft fee refund Out-of-network ATM rebates No monthly statement fee Free incoming domestic wires Free checks Preferred pricing Online and mobile bill pay Online and mobile banking
  • Free checking When enrolled in online statements
  • $15 monthly fee is waived when you maintain one of the following:

    EITHER maintain $10K average combined monthly balances in any combination of the following personal accounts: checking, money markets, savings, CDs, IRAs, installment loans, and lines of credit. Your mortgage balances with us are excluded from the combined balance calculation.
    OR maintain a mortgage from us with auto-debit. Accounts are not automatically linked. Please notify your banker which accounts should be linked.

  • Minimum balance required to waive monthly fee of $25
    $25 fee is waived with $25,000 or more in linked bank deposit accounts (checking, savings, CDs, FDIC-insured IRAs) OR $50,000 or more in any combination of qualifying linked banking, brokerage (available through BOK Financial Advisors – excluding 529s and managed trusts) and 10% of loan balances.
  • Free checking
  • Select checking
  • Premier checking
  • Free checking 1 per year by request
  • Select checking 1 per year by request
  • Premier checking 1 per year by request
  • Free checking
  • Select checking 1 per statement cycle
  • Premier checking Unlimited

     

  • Turn off paper statements to waive $1.50 fee
  • Select checking
  • Premier checking
  • Free checking
  • Select checking
  • Premier checking
  • Free checking
  • Select checking
  • Premier checking

  • Discounted rates on personal loans with auto-debit

  • Premier Money Market relationship pricing and discounted rates on personal loans.
  • Personal financial advisor, interest rate bonuses, exclusive discounts, waived fees and access to our Investment Sweep when linked to a money market mutual fund.2
  • Free checking
  • Select checking
  • Premier checking
  • Free checking
  • Select checking
  • Premier checking

Select the features most important to you to see which of our accounts are a match. Then get started opening your account online!

Open Now

Enjoy These Perks with Your Account

  • Mobile Banking Icon

    Full Service Banking from Your Mobile Device

    Deposit checks, set account alerts, transfer funds, pay bills, send and receive money between friends with Zelle®, access your account statements, manage your debit and credit cards, and even your mortgage and personal loans all from our mobile app. Schedule an appointment to speak with a banker, or use our 24-hour automated ExpressBank to manage your account.

  • Send Money Icon

    Pay Your Way

    Send and receive money between friends and family with Zelle®, pay bills securely online or through our mobile app, make external transfers to your account at another bank, and transfer funds between your accounts with us. Use Apple Pay4 and Samsung Pay5 to easily and securely pay in-store, in-app, or online.

  • Location Icon

    Expansive Branch and ATM Network

    Easily find our banking centers and ATMs near you. You can use Bank of Oklahoma ATMs to deposit checks, transfer funds, check your balances and more. Plus get free access to more than 450 additional no-fee ATMs statewide.

  • Peace of mind shield icon

    Enjoy Peace of Mind

    Get free overdraft protection transfers6 from your linked savings, money market account or personal line of credit. Visa's Zero Liability7 covers unauthorized charges on your debit card when promptly reported. Instantly block and unblock your debit card if lost or stolen, and set account alerts to stay in the know on your account activity.

  • Saving Money Icon

    Watch Your Savings Add Up

    Set it and forget it with QuickSave, your savings partner to help you save money effortlessly. Each time you use your debit card or complete an Online Bill Pay transaction, we’ll transfer an amount you choose into your savings account, and even match up to $250 per year.

Other Checking Accounts

Free Student Checking

Easy-to-use first checking account, designed for students under 18, to help establish sound money management practices.
Learn More   |   Open Now

Opportunity Banking

An alternative checkless account designed to give you a fresh start if you’ve had past financial challenges.
Learn More

Summary of Fees   |   Agreements and Disclosures

1 Monthly fee is waived when you maintain ONE of the following:

  • $10K average combined monthly balances in any combination of the following personal accounts: checking, money markets, savings, CDs, IRAs, installment loans, and lines of credit. Your mortgage balances from us are excluded from the combined balance calculation.
  • Your mortgage from us, with auto-debit. Accounts are not automatically linked. Please notify your banker which accounts should be linked.

2 Securities, insurance and advisory services offered through BOK Financial Securities, Inc., member FINRA/SIPC and a subsidiary of BOK Financial Corporation. Services may be offered under our trade name, BOK Financial Advisors. NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE

3 For each statement cycle that one of the following requirements of average daily balances are met, you’ll avoid the $25 monthly service fee: $25,000 or more in linked bank deposit accounts (checking, savings, CDs, FDIC-insured IRAs) or $50,000 or more in any combination of qualifying linked banking, brokerage (available through BOK Financial Advisors – excluding 529s and managed trusts) and 10% credit balances (mortgage, HELOC, PLOC, auto loan & personal loan – excludes small business loans). Accounts are not automatically linked. Please notify your banker which accounts should be linked.