Overdraft Protection

Bounced checks. Declined debit cards. Who wants that? Overdraft Protection* conveniently covers transactions if your checking account balance is less than zero.

Protect Yourself with Automatic Transfers

Stop worrying so much about your checking account balance. Once you’re enrolled in Overdraft Protection*, we will automatically transfer available funds, to the extent they are available, from your linked BOK Financial 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.

Financial Peace of Mind

With Overdraft Protection*, you can stop worrying if someone is taking a while to cash a check or if your purchase costs a little more than you expected. We'll simply transfer available funds from your savings account or personal line of credit into your checking account to cover the insufficient balance plus the Overdraft Protection transfer fee — and you don't have to give it a second thought.

PROTECTION WHEN YOU NEED IT

There's no cost to enroll in Overdraft Protection*. When a checking account is linked to a Bok Financial savings account, money market account, or personal line of credit, we will automatically transfer funds from the linked account into your checking account to cover an overdraft.

A Simple Process

Enroll in Overdraft Protection* today, and then forget about it. It's there for you when you need it — automatically. To get started, schedule an appointment, contact a Relationship Banker, or call ExpressBank at (844) 517-3308.

Mobile Alerts

We also offer free Mobile Alerts to let you know if your balance is low. The alerts are easy to set up in Online Banking. And, you can even have alerts sent to multiple email addresses.

Overdraft Protection Fees and Information

Please select a market area:

Arizona

*If enrolled, we will automatically transfer funds, to the extent they are available, from your linked BOK Financial 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, money market account or personal 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 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 savings or money market may be subject to an excessive withdrawal fee. See Summary of Fees Arizona for pricing.
  • $12.50 for transfers to Free Checking, Free Student Checking or Opportunity Banking.
  • $7.50 for transfers to Select Checking.
  • $0 for transfers to Premier Checking.
  • $12.50 for transfers from a personal line of credit, regardless of your checking account.

Arkansas

Colorado

Kansas/Missouri (KC)

Ready to Get Started?