Checking Accounts

Free Student Checking

¹ Although this account will help you avoid overdrawing your account in most situations, there may be times when your account could have a negative balance. One situation in which this could happen would be if a transaction for a certain amount is approved, but the final charge exceeds the balance in your account, such as when you use your debit card at a restaurant, and add a tip separately. In this example, the total transaction amount would result in you overdrawing your account, but we would not charge you an overdraft fee.

² 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.

³ 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

⁴ 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.

⁵ Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. GooglePay™ is a registered trademark of Google, LLC. Other company and product names mentioned may be trademarks of their respective owners.

⁶ Interest begins to accrue no later than the business day that the Bank receives credit for the deposit of non-cash items, such as checks. Unless stated otherwise, we use the daily balance method to calculate interest on your account. The interest rate and Annual Percentage Yield (APY) are administered by the Bank and may change daily at the discretion of the Bank, unless stated otherwise. Account fees may reduce earnings. Please ask for a current rate sheet for interest rate information. For additional information, read the Summary of Fees and Definitions and the Agreements and Disclosures.

⁷ If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked savings, money market account or personal line of credit with us into your checking account at the end of any business day on which your Available Balance is less than zero. Limited to one linked savings or money market account or personal line of credit as a source of funding. Accounts are not automatically linked. Please notify your banker which account should be linked. To the extent the funds in your designated funding account are insufficient to cover all overdrafts in your checking account, an Overdraft Fee may be charged for each overdraft not covered by the transfer, under the terms of the Depository Agreement for Transaction Accounts. See Summary of Fees and Definitions for pricing.

⁸ As a Select Checking client, if you are charged an ATM fee by another financial institution, you will automatically be refunded one ATM fee per statement cycle. BOK Financial KS and MO accounts will be automatically refunded two ATM fees per statement cycle.

⁹ Loan discount of 0.25% is available with Free Student Checking, Free Checking, Select Checking, Premier Checking and Opportunity Banking. An additional 0.10% discount is also available for Premier Checking, resulting in total possible discounts of up to 0.35%. Loan discounts do not apply to all loan products and are applicable for new loans only. Discount applies to the Interest Rate at the time of application. Loan payment must be automatically debited from an applicable checking account with us. Some restrictions apply. All loan offers subject to credit approval.

¹⁰ Bonus interest rate is not automatically applied and must be requested. Accounts are not automatically linked. Please notify your banker which accounts should be linked. If the Premier Checking or Select Checking account is closed for any reason, or the link with another account terminated for any reason, the bonus interest rate on the linked account will be discontinued and the interest rate provided by the terms of the agreement(s) governing the savings account, CD, or select FDIC insured IRA will become applicable.

¹¹ Accounts are not automatically linked. Please notify your banker which accounts should be linked. If the Premier Checking account is closed for any reason, or the link with another account terminated for any reason, the bonus interest rate on the linked account will be discontinued and the interest rate provided by the terms of the agreement(s) governing the savings account, CD, or select FDIC insured IRA will become applicable.

¹² Subject to closing of a residential purchase money or refinance mortgage loan with us. Discount will be provided in the form of a lender credit.

¹³ Visa's Zero Liability Policy does not apply to ATM transactions or to PIN Transactions not processed by Visa. U.S. issued cards only. See terms and conditions for Visa Debit Card.

¹⁴ Keep your money safe! Only send money to those you know with Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Think of Zelle® like cash: once you send a payment it cannot be canceled if the recipient is already enrolled. A U.S. checking or savings account required to use Zelle®. Safety Reminder: Bank of Oklahoma will never ask for your personal information regarding your money. A U.S. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.