Enjoy up to $650 bonus cash^1,3

Disclosures

1. Offer available to new customers only. A new customer is defined as an individual who is not listed as a primary or secondary accountholder on any existing checking account and has not closed a checking account within the past 180 days. Customer’s primary address on the account must be in Colorado. Limit one bonus per customer.

To qualify for the $450 bonus:

• Open an Access Checking account.
• Deposit at least $3,000 in aggregate direct deposits within the first 90 days of account opening. Person-to-person payments (such as Zelle) and bank-to-bank transfers do not count as direct deposits.

Ninety days after account opening, the account will be evaluated, and if all qualifications are met, the bonus will be credited within the following 30 days. New accounts are subject to approval. To receive the bonus, the qualifying account must be open and in good standing at the time of payout. The bonus is considered interest and will be reported on IRS Form 1099-INT. This offer expires on February 28, 2026. However, BOKF reserves the right to change or discontinue the offer at any time and without notice prior to its expiration.

2. If you choose to receive a monthly statement via postal mail, a statement fee of $3 will be assessed each month. You can turn off paper statements by logging in to Online Mobile Banking, selecting “online only”, and accepting the Online Statement Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement.

3. Offer available to new customers only. A new customer is defined as an individual who is not listed as a primary or secondary accountholder on any existing Personal Savings account and has not closed a Personal Savings account within the past 180 days. Customer’s primary address on the account must be in Colorado. Limit one bonus per customer.

To qualify for the $200 bonus:

• Open a Personal Savings account.
• Within 30 days of opening your account, deposit at least $10,000 in new funds not currently held at the bank.
• Beginning on day 31 after account opening, the account balance must stay at or above $10,000 until day 90.

Ninety days after account opening, the account will be evaluated, and if all qualifications are met, the bonus will be credited within the following 30 days. New accounts are subject to approval. To receive the bonus, the qualifying account must be open and in good standing at the time of payout. The bonus is considered interest and will be reported on IRS Form 1099-INT. This offer expires on February 28, 2026. However, BOKF reserves the right to change or discontinue the offer or APY at any time and without notice prior to its expiration.

Personal Savings earns an Annual Percentage Yield (APY) of 0.10%. The APY is effective as of 12/24/2025 and may change after the account is opened. Minimum opening deposit of $50. Fees may reduce earnings.

4. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. GooglePay™ is a registered trademark of Google, LLC. Other company and product names mentioned may be trademarks of their respective owners.

5. Certain terms, conditions and exclusions apply. See Mastercard Zero Liability Protection for Unauthorized Transactions for more details.

6. If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked savings, money market account or personal line of credit with us 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 may be charged for each overdraft not covered by the transfer, under the terms of the Depository Agreement for Transaction Accounts. See Summary of Fees and Definitions for pricing.