Business Overdraft Protection

Bounced checks. Declined debit cards. They're bad for business. Our Overdraft Protection* program provides automatic transfers to cover transactions if your checking account balance drops too low.

Protect Your Business with Automatic Transfers

Don't embarrass yourself in front of a client by overdrawing your account. Overdraft Protection* provides convenient automatic transfers from your linked savings account or line of credit to cover transactions if you don't have quite enough money in your business checking account.

Financial Peace of Mind

With Overdraft Protection*, you can stop worrying if a vendor is taking a while to cash your check or if your purchase costs a little more than you expected. We'll simply transfer money into your checking account to cover the difference — and you don't have to give it a second thought.

Affordable Protection

There is no cost to enroll in Overdraft Protection*. When a small business checking account is linked to a BOK Financial business savings or business line of credit, we will automatically transfer funds from the linked account into your small business checking account.

A Simple Process

Enroll in Overdraft Protection* today, and then forget about it. It's there for you when you need it — automatically. The rest of the time, there's nothing you need to do to maintain it. Isn't that easy?

Overdraft Protection Fees and Information

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*If enrolled, we will automatically transfer funds, to the extent they are available, from your linked BOK Financial business savings or business line of credit into your small business checking account at the end of any business day on which your Available Balance is less than zero. Limited to one linked business savings or business line of credit as a source of funding. With each transfer, you will be assessed the Overdraft Protection Transfer Fee. The amount of the transfer will be sufficient to cover the amount of your negative balance, plus the amount of the transfer fee. To the extent the funds in your designated funding account are insufficient to cover all overdrafts in your Small Business 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. If the transfer is not sufficient to cover at least one overdraft item, you will not be charged an Overdraft Protection Transfer Fee. Transfers from your business savings may be subject to an excessive withdrawal fee. See Summary of Fees Arizona for pricing.
  • $12.50 for transfers to Free Small Business Checking or Business Interest Checking.
  • $7.50 for transfers to Business Advantage Checking.
  • $12.50 for transfer from a business line of credit, regardless of your checking account.



Kansas/Missouri (KC)

How to Apply

Our Small Business Bankers are ready and waiting to discuss your business needs. You can call them at (303) 864-7391, visit one of our Banking Centers or schedule an appointment below. Once you're enrolled, you can take advantage of Overdraft Protection* any time you need it.