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Savings Accounts

Personal Savings Accounts

Looking to save but don't have much to start with? With Personal Savings, you can start immediately, with just $50. Open an account and start working on your goals today.

Savings accounts

Competitive interest rate with a low balance requirement


Whether you're starting out or starting over, you don't need to bother with high minimum balance requirements. Our Personal Savings account provides you with a competitive interest rate and all the conveniences of a Bank of Oklahoma bank account, including QuickSave and free Online Banking.

Simple Guide to Personal Savings

  • Reach your goals faster using QuickSave, our program that helps you save money faster. Every time you use your debit card for a qualifying purchase, we'll automatically transfer an amount of your choosing into savings — and we'll even match a portion of what you save.

    More Info

  • We offer very competitive interest rates so your money can work for you, no matter how much you have in savings. Visit our deposit rates page for more information.

    Deposit rates

  • Open an account with just $50. And there's no monthly fee if you transfer at least $10 from a Bank of Oklahoma checking account each month or maintain an average collected balance of $250 for the month.

More About Personal Savings

The monthly service fee ($5.00) can be avoided if one of the following conditions are met:

  • Monthly electronic transfers of at least $10 from your Bank of Oklahoma personal checking account
  • $250 minimum average collected balance for the month
  • Link to Premier Checking account. (Accounts are not automatically linked. Please notify your banker which accounts should be linked.)

Generally, and subject to the exceptions and conditions in this paragraph, withdrawals may be made in person at a banking center, or via ATM, Online and Mobile Banking transfer or Bill Pay transactions, pre-authorized or automatic recurring payments, telephone through ExpressBank, wire transfer, personal check or mail. For Savings and Money Market Deposit Accounts, you may complete a maximum of 6 withdrawals per statement cycle by the following methods: Online and Mobile Banking transactions, automatic transfers, preauthorized payments, telephone transfers, wire transfers and personal checks. In addition, a $10 excessive withdrawal fee will be assessed as detailed in the applicable Simple Guide to Personal Savings. The Bank will not assess more than five excessive withdrawal fees per statement cycle.

Youth Savings is a great introduction to saving for youngsters, and comes with no monthly fee. The primary owner must be under the age of 18, and the account must be co-owned by a parent or guardian.

View our Simple Guide to Youth Savings for more information.

Generally, and subject to the exceptions and conditions in this paragraph, withdrawals may be made in person at a banking center, or via ATM, Online and Mobile Banking transfer or Bill Pay transactions, pre-authorized or automatic recurring payments, telephone through ExpressBank, wire transfer, personal check or mail. For Savings and Money Market Deposit Accounts, you may complete a maximum of 6 withdrawals per statement cycle by the following methods: Online and Mobile Banking transactions, automatic transfers, preauthorized payments, telephone transfers, wire transfers and personal checks. In addition, a $2 an excessive withdrawal fee will be assessed as detailed in the applicable Simple Guide. The Bank will not assess more than five excessive withdrawal fees per statement cycle.

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.

There is a low monthly service fee of $5. However, it can be avoided if one of the following conditions are met:

  • Monthly electronic transfers of at least $10 from your Bank of Oklahoma personal checking account
  • Maintain monthly average collected balance of $250
  • We offer very competitive interest rates. See our deposit rates for more information.

    Opening and funding your account online is secure, fast, and easy. Simply apply online today to get started. Once your application has been received we will send you an email letting you know if it is approved. You will need to have the following when you apply:

    • Your social security number
    • Your driver's license or state issued ID number
    • Information about any loans or mortgages that you may have to help us confirm your identity
    • For instant funding, you will need your current bank account and routing number
    • If applying for a joint account, you will need the secondary applicant's name, social security number and date of birth
    • A working printer in order to print disclosures, signature cards and other important documents

    Ready to get started?