Advantage Checking

When you're ready to take your checking account to the next level, reward yourself with the perks of an Advantage Checking account, including premium rates on loans and CDs.

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An Interest-Bearing Checking Account — with Lots of Extras

Our Advantage Checking account takes your whole banking relationship into account, providing perks and premiums to our high-balance clients. The account includes preferred rates on loans, overdraft protection, premiums on CDs and much more.

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Earn Even More Interest

You'll not only earn interest on the money in your checking account. With Advantage Checking, you'll also earn an extra 0.10% on any new Bank of Oklahoma CDs you open.

Save on Your Loans

As an Advantage Checking client, you'll be able to save 0.25% on select loans* with Bank of Oklahoma. You'll get the convenience of having all your banking in one place, while still saving money on your rates.

Enjoy Plenty of Bonus Features

With your Advantage Checking account, you can take advantage of extra perks, including a free initial supply of checks, a free small safe deposit box, and free domestic wires and money orders.

Earn Interest on Your Balance with Advantage Checking

Term Interest Rate APY *
$0 - 9,999 0.01% 0.01%
$10,000 - 49,999 0.01% 0.01%
$50,000 + 0.01% 0.01%

Important Information

*APY = Annual Percentage Yield

Additional Advantage Checking account benefits include:

  • Unlimited check writing
  • Free access to more than 400 ATMs Statewide, including all Tulsa-area QuikTrip ATMs and all Oklahoma City-area 7-Eleven ATMs.
  • Free online and mobile bill pay
  • QuickSaveSM
  • Free Visa debit card
  • Free check images with your monthly statement
  • Free online and mobile banking
  • One complimentary overdraft fee refund per year
  • No monthly fee as long as minimum requirements are met
  • Overdraft protection
  • A low $50 opening deposit required

Monthly Fees

The monthly service fee ($15) can be avoided with a total average collected combined balance of $10,000 for the month. May be combined balance in any combination of the following personal accounts: Checking, money markets, savings, CDs, IRAs, installment loans, lines of credit and a first mortgage from Bank of Oklahoma Mortgage.

Account Details

1.  Tiered rates compounded and paid monthly. Maintain a daily collected balance according to the tiers to obtain the disclosed annual percentage yield.
2.  Discount applies to the Interest Rate at the time of application. Payment must be automatically debited from a Bank of Oklahoma checking account. Loan discounts do not apply to all types of loans and is applicable for new loans only. Some restrictions apply. All offers subject to credit approval.
3.  Advantage clients can receive an additional .10% when you link your new CD to your Advantage Checking Account. This premium does not apply to CDs opened before your Advantage account was opened or upgraded to Advantage. If you close your account or change the product type from Advantage/Advantage 55, the .10% premium may not apply. All other terms and conditions regarding the CD apply.
4.  The monthly service fee ($15) can be avoided with a total average collected combined balance of $10,000 for the month. May be combined balance in any combination of the following personal accounts: Checking, money markets, savings, CDs, IRAs, installment loans, lines of credit and a first mortgage from Bank of Oklahoma Mortgage.
5.  Automatic transfers from your savings or money market account for a nominal transfer fee. Subject to withdrawal limitations.
6.  Advantage clients pay no annual rental fee for small box. Subject to availability.

How It Works: Wire Transfers

Wire transfers are fast and secure, and you'll typically use them to transfer money between external accounts and your Bank of Oklahoma account. Because the transfer is done electronically and the funds are guaranteed, it's a same-day process, which means you or your loved ones will never have to wait long to receive your funds.

We can accommodate a variety of different types of wire transfers, including both domestic and international transfers in the currency of your choice, and repeating and one-off payments. Please visit a banking center or call ExpressBank at (800) 234-6181 to get started.

Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message or call us at (800) 234-6181.

Can I order checks online?

Absolutely. Just visit our ordering page. There, you can customize your checks with different designs and formats, and order as many as you need.

Where can I find my ABA routing number?

The Bank of Oklahoma Routing Number is: 103900036. You can also find it on your Bank of Oklahoma checks in the location shown below:

 

What is Online and Mobile Bill Pay?

Bill Pay is a service that lets you pay your bills from your computer or mobile device, without having to write or mail a check. It's easy and fast, and can even be set up to pay recurring bills automatically. No checks to write, no envelopes to address and no stamps to lick. Learn more about Online Bill Pay today.

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Related Products and Services

If these free perks aren't what you're looking for, that's no problem — we have a variety of other checking accounts to choose from.

Your Financial Resources

Bank of Oklahoma is with you on every step of your financial journey. Here are some tips and tricks that might help you along the way.

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