BOK Financial has different subdivision of banks that offers a pretty good variety of account options. To find out if BOK Financial Bank is right for you, continue reading the review below.
BOK Financial was originally founded in Tulsa, Oklahoma, but now have locations in 11 other states.
They have a full selection of accounts to choose from including a FREE student checking account and option relationship accounts.
Checking Account Options
BOK Financial has various checking accounts with different benefits.
You will need an opening deposit of $50, but afterwards there are no monthly fees to worry about.
Upon account opening, you get a complimentary BOK Financial Visa® Debit Card, access to online and mobile banking and online bill pay.
You will also gain free access to over 32,000 ATMs nationwide.
There is an option for Overdraft Protection as well.
You will need at least $50 to open this account.
There is a monthly fee of $15, but you can waive it as long as you can maintain an average balance of $10,000 in combined monthly balances.
With your free BOK Financial Visa® Debit Card, you will be able to withdraw money at your convenience at any BOK Financial ATM.
You can also get free standard checks or 50% off premium styles.
You need yet again $50 to open this account.
There is a monthly fee of $25 unless you manage to keep $25,000 as an average balance in combined linked bank deposit accounts, OR $50,000 in qualifying loan balances.
If you link this checking account to your Premier Money Market account, you will earn a 0.05% higher interest rate.
You will also have access to QuickSave.
This is a completely free student checking account designed for those who are 18 and under.
There are absolutely no monthly fees so students can keep track of their spending without the hassle of having to pay a fee.
You will receive a BOK Financial Visa® Debit Card, access to QuickSave, online/mobile banking and free eStatements.
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Savings Account Options
BOK Financial Bank has a very small selection of savings accounts, but it functions like any average savings account and has low minimum requirements.
You can open this standard savings account with just $50 and start earning a competitive interest rate.
There’s a $5 monthly fee, but you can waive it as long as you transfer at least $10 monthly from your Bank of Oklahoma personal checking account.
Other ways to waive this monthly fee are:
- Have a monthly balance of $250
- Link this savings account to a Premier Checking account
This account also gains you access to the QuickSave tool.
You can have the option for automatic transfers as well.
This is just a savings account for children 18 and under, and it requires no opening deposit nor a monthly fee.
However, there does needs to be a guardian to watch over this account.
Both the child and parent will be able to utilize the QuickSave tool to manage their savings and spending.
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 With the American Express® High Yield Savings Account: • Earn 3.90% APY as of 11/29/24 on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly. • Links easily with your current bank accounts. No need to switch banks. • FDIC Insured. Your account is insured to at least $250,000 per depositor. • 24/7 Account Access |
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Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
BOK Financial Bank has two money markets that earns decent interest rates and come with exclusive benefits.
You will need at least $50 to open this account, but it will start earning interest automatically.
There is a monthly fee of $7.95, but you can waive it as long as you maintain an average monthly balance of $1,000.
With this money market, gain access to:
- Free check images
- Free Online Banking
- QuickSave
With a $50 minimum opening deposit, you will receive all the benefits that the Personal Money Market offers, but also gain additional benefits.
Some of these additional benefits include:
- Free incoming domestic wires
- Free check writing privileges
- An extra .05% rate increase with Premier or Select Checking
There is a monthly fee of $15, but you can waive it if you maintain a monthly overall balance of $10,000.
Compare Money Market Accounts
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CD Account Options
You can open a CD at BOK Financial Bank. Their CDs include standard, promotional, no penalty and flex.
Most CD requires a $50 minimum opening deposit except for a standard one, which requires a $1,000 opening deposit.
If you want to find out BOK Financial Bank’s CD rates, click here.
Compare CD Accounts
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.10% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
Reasons to Bank with BOK Financial Bank
- All their checking accounts are consistent with the opening deposit.
- They offer relationship accounts. Link your checking account to your savings or money market accounts to earn higher interest rates.
- You can earn a slight increase in your APY when you link certain accounts together.
- Each savings account or money market gives you access to QuickSave to help you manage your money responsibility.
- They have a completely FREE student checking account.
- Each checking account comes with a free BOK Financial Visa® Debit Card.
- They have a wide selection of CD types and terms to choose from.
- They have a live chat available when you enter their website.
- Conduct all your banking online or through Bok Financial Bank’s mobile app.
Reasons Not to Bank with BOK Financial Bank
- Their free checking account still requires at least $50 to open whereas other banks might offer it completely free.
- The balance requirements for checking accounts may be difficult to meet if you aren’t a big spender.
- Their interest rates for their savings accounts or average at best. You can probably find higher rates elsewhere.
- They aren’t available 24 hours through phone.
BOK Financial Bank Routing Number
BOK Financial Bank’s routing number depends on the area you’re in. The simplest way to check your routing number is by looking at the lower left corner of your BOK Financial check.
You can also find your routing number through online banking or BOK Financial’s mobile app by selecting account details.
Contact Customer Service
You can call ExpressBank at (844) 517-3308 to speak to a live customer service representative.
BOK Financial Bank’s available hours are:
- Monday – Friday at 7 a.m. – 9 p.m. (CST)
- Saturday at 8 a.m. – 5 p.m. (CST)
- Closed on Sundays
How BOK Financial Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
- Bank of America: As one of the larger banks in the U.S. Many may choose BoA for the convenience of locations through out 35 states. However, BoA offers limited account options.
Bottom Line
BOK Financial Bank offers the full standard selection that most brick and mortar banks do, but you would have to consider all your options.
The free student checking account is generous in the fact that it is completely free to open on top of not having to worry about monthly fees.
You can link checking and savings accounts together to maximize your earnings as well.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with BOK Financial Bank, then check out BOK Financial Bank Promotions! For more options from a variety of banks, see our list of the best bank promotions!
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