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Free Checking

Free Checking

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

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Checking Accounts Are All the Same. Or…Are They?

At Bank of Oklahoma, you get all the benefits you expect from a checking account, like an easy-to-use app, the ability to turn your debit card off and on, and free access to more than 450 ATMs Statewide, including all Tulsa-area QuikTrip ATMs and all Oklahoma City-area 7-Eleven ATMs. But who’s counting? Not only that, but Free Checking comes with no monthly service fee when you enroll in online statements.

See the Simple Guide to Free Checking.

Account Features

  • Debit Card

    Totally Free Access

    With Free Checking, you get a free Visa® Debit Card and unlimited transactions, so you can make purchases in store or online to your heart's content. Your debit card also doubles as an ATM card, allowing you to make deposits at any Bank of Oklahoma ATM. And, you get free access to more than 450 ATMs Statewide, including all Tulsa-area QuikTrip ATMs and all Oklahoma City-area 7-Eleven ATMs.

    Find ATMs

  • Convenience

    Convenience at Your Fingertips – For Free

    You won’t be charged a monthly service fee when you choose to receive online statements. Get 24/7 access to your account in online and mobile banking to view transactions, get instant alerts, pay bills, transfer funds or make mobile deposits through our app.

    Learn More

  • Savings Goals

    Reach Your Savings Goals Faster with QuickSave

    Our Free Checking account comes with access to QuickSave, a tool designed to help you save money faster. If you enroll, every time you use your Visa® Debit Card to make a qualifying purchase, or complete an Online Bill Pay transaction, we'll automatically transfer an amount of your choosing into savings.

    QuickSave

Enjoy These Perks with Your Account

Free Checking is free when you sign up for online statements, and comes packed with convenient features and enhancements designed to help you live your best financial life. How you shop, spend, budget, save, pay bills or send money should be up to you. After all, it’s your money. We’re just here to make it at all a little easier for you.

  • 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 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 Pay1 and Samsung Pay2 to easily and securely pay in-store, in-app, or online.
  • 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.
  • Get free overdraft protection transfers3 from your linked savings, money market account or personal line of credit. Visa's Zero Liability4 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.

More about Free Checking

  • Free Visa debit card
  • Free online and mobile banking with Bill Pay
  • Free access to more than 450 ATMs Statewide, including all Tulsa-area QuikTrip ATMs and all Oklahoma City-area 7-Eleven ATMs.
  • QuickSaveSM
  • One complimentary overdraft fee refund per calendar year (upon request)
  • Overdraft Protection*
  • Free online statements
  • ExpressBank 24-hour telephone automated account information

A $50 opening deposit is required.

*If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked Bank of Oklahoma savings, money market account or personal line of credit 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 or Returned Item Fee may be charged for each overdraft not covered by the transfer, under the terms of the Depository Agreement for Transaction Accounts. Transfers from your savings or money market account may be subject to an excessive withdrawal fee. See Summary of Fees and Definitions for pricing.

  • There is no monthly service fee for this account.
  • If you choose to receive a monthly statement via postal mail, a statement fee of $1.50 will be assessed each month. To avoid this fee, you can turn off paper statements by logging in to Online or Mobile Banking, selecting “online only”, and accepting the Online Statements Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement.

Get Started

Safely and securely open a Free Checking account online or by phone at
(855) 202-8729.

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See the Summary of Fees and Definitions and Agreements and Disclosures.