Basic Checking

Everything you need in a checking account — and nothing you don't.

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A Straightforward, Easy-to-Use Checking Account

Sometimes you don't need all the bells and whistles. Simple can really be better. No frills. No fuss. For our clients looking for a low-fee account without lots of fancy extras, Basic Checking is the ideal checking account. Basic Checking accounts include unlimited check writing, and QuickSaveSM, along with a couple of other great perks.

Download the Simple Guide

Convenience at Your Fingertips

With Basic Checking, you can monitor your checking account in whatever way is easiest for you, whether online or on your phone. You'll also receive a free Visa® Debit Card, so you can make purchases in store or online without having to write a check.

Reach Your Goals Faster

Our Basic Checking account comes with access to QuickSave, a tool designed to help you save money faster. Every time you use your Visa Debit Debit Card to make a qualifying purchase, we'll automatically transfer an amount of your choosing into savings.


Write as Many Checks as You Need

With your Basic Checking account, there's no limit to how many checks you can write each month, so you never need to worry about paying extra fees when you're paying your bills.

Additional Benefits

  • Free online banking
  • Free online and mobile bill pay
  • One overdraft fee refund per year
  • Overdraft protection
  • A low $50 opening deposit required
  • Free access to more than 400 ATMs Statewide, including all Tulsa-area QuikTrip ATMs and all Oklahoma City-area 7-Eleven ATMs.

Monthly Fees

The low monthly service fee for this account is $4.95, the lowest of any of our checking accounts for adults.

If you would like to receive paper account statements in the mail, there will be an additional $1.50 monthly fee.

For more information, download our Simple Guide.

How it Works: QuickSave

Saving for the future is important but we know it's not easy — especially when you go it alone. Now you have a partner to help you, Bank of Oklahoma. QuickSave is a tool that allows you to automatically put a set amount into your savings account every time you use your debit card to make a qualifying purchase. And, we'll match a portion of those savings!

When you set up your QuickSave account, you'll determine how much you'd like to save with each transaction, either $0.25 or $0.50, and we'll link everything to your Bank of Oklahoma savings or money market account. Each night, we'll take the number of debit card and Online Bill Pay transactions, multiply the total by your QuickSave(SM) amount, the $0.50 or $0.25, and then transfer that amount to your savings or money market account in one transfer. Each year, we'll automatically transfer our match amount within 6-8 weeks after the anniversary date of your account. After you've enrolled, you can see the transfer activity in both your checking account and savings account.

The sky's the limit for how much you can save using QuickSave, and Bank of Oklahoma will match up to $250 of those savings each year. To calculate how much you might save this year, try using our calculator.

Just tell us the amount you want to transfer to your savings account with each transaction and we'll do the rest. Stop by one of our convenient banking centers or call an ExpressBanker at (800) 234-6181 to get started today!

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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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We Recommend

If the simplicity of this account doesn't appeal to you, that's no problem — we have a variety of other checking accounts to choose from.

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