Personal Debit Card

Upgrade your wallet experience

Unlock a new level of safety and convenience with your BOK Financial debit card. It's contactless and works seamlessly with Apple Pay, Google Pay, and Samsung Pay¹ for secure, swift, and hassle-free transactions, whether you're shopping online or in-store. With cutting-edge security measures and the confidence of Visa's Zero Liability², shopping, paying, and playing become easy and worry-free at millions of stores. Plus, as a cardholder, enjoy exclusive Visa^® perks³ as a special bonus.

Point of sale purchase with Visa debit card

Convenience meets safety

Your debit card is more than just another card; it’s packed with features to save you time and shield you from fraud, while simplifying your life. Explore the endless possibilities this sleek card can bring to your financial lifestyle.

Level up your digital wallet

Add your card to Apple Pay, Google Pay™ or Samsung Pay¹ directly from our mobile app to pay quickly and securely. See how.

Tap to pay at checkout

Our contactless card makes it fast, secure and easy to use at any supporting in-store terminals.

Block or unblock your card

Temporarily block your card in Online Access or our mobile app if you believe your card is lost; and just as easily unblock it later.

Stay in the know

Set up email, text alerts, or push notifications, alerting you of banking transactions that occur on your account.

Shop with confidence

Visa’s Zero Liability Protection² means you’re protected from unauthorized charges when promptly reported to the bank.

Tap to pay and be on your way

Paying with your contactless card is secure, fast and easy. Once your payment is complete, you're good to go. If the terminal is not contactless-enabled, simply insert or swipe your card as you normally would.

Look for the Contactless symbol at checkout
Simply tap on the terminal to make your payment.

Safety first

Discover unparalleled safety features that go beyond traditional payment methods like checks or cash. More than just a convenience, your Visa^® debit card is also your safety net; your shield in an unpredictable world. Here are just a few reasons it stands out.

Have questions or need help?

Card self-service

: You can activate your card in one of three convenient ways:

Log in on our mobile app and click the activation banner at the top of the screen, or

Call us at (855) 726-4885 and provide the information requested, or

If activating a replacement card, use it with your existing PIN at an ATM, or with any PIN-based payment transaction.
: Log into our mobile app and click on “More.” Select “Manage My Debit Cards,” then “Manage Card.” Choose Set PIN or Change PIN and follow the prompts.
: If you believe your card has been lost or stolen, you may log into Online Access or our mobile app to immediately block it.

From Mobile App:

After logging in, click on "More" then "Manage My Debit Cards."

For the card you need to block, toggle the "Unblocked" switch to "Blocked."

Read the pop-up that follows and confirm by tapping "Block."

Your card will be immediately blocked from use until you decide to turn it back on.

From Online Access, log into your account, select Manage My Debit Cards from the main menu, and follow the same prompts as above.

If you later locate your card or change your mind, simply repeat these steps, toggling the "Blocked" switch back to an unblocked state. In both instances, we will email you a confirmation notification immediately.

Alternatively, you may also call ExpressBank at 844-517-3308 to temporarily block your card.
: If you believe your card needs to be replaced:

Log into our mobile app and click on "More."

Select "Manage My Debit Cards," then "Manage Card."

Choose "Replace lost or stolen card" and choose the preferred option.

You may also call ExpressBank directly at [phone].

From Online Access, log into your account, select "Manage My Debit Cards" from the main menu, and follow the same prompts as above.
: If you believe your card has been used to make fraudulent purchases, contact us immediately. Your card comes with Visa’s zero liability protection, so you won’t be liable for any unauthorized transactions you report in a timely manner. Any funds lost due to fraudulent activity will be fully restored to your account.

Contactless cards

: Chip cards contain an embedded microchip that protects in-store payments by generating a unique, one-time code that is needed for each transaction to be approved. You can use this card by inserting it chip-first into a chip-enabled terminal. Contactless debit cards are equipped with near-field communication (NFC) technology, allowing users to make secure and quick transactions by simply tapping the card on a contactless-enabled terminal.

Both types of cards contain a magnetic strip allowing you to swipe your card. However, this method is becoming less common with the advancement to chip, and the more recent advancement to contactless.

Our debit cards allow for all payment options. In general, using the chip or contactless method is considered safer than swiping because of the added security features, but the contactless option offers the most convenience.
: Contactless payments are incredibly secure and allow you to tap your card on a contactless-enabled terminal. They use advanced encryption technology to protect your card information. The tokenization process adds an extra layer of protection during a transaction by replacing all your card information with randomly generated digits that mean nothing to hackers.
: While contactless acceptance is widespread, not all merchants may support it. Look for the contactless symbol on the card reader or ask the cashier if they accept contactless payments.
: Whether you choose to swipe, insert or tap your card, you’ll have the option to either sign or enter your PIN for debit purchases.
: Look for the contactless symbol at checkout. Then, simply tap and hold your card against the terminal to make your payment. If the terminal is not contactless enabled, simply insert or swipe your card as you normally would.
: Most terminals will give you the choice to tap, insert or swipe. If the terminal is not equipped for one or more of those options, the cashier or terminal itself will prompt you accordingly.

Travel notifications

: Yes. To help prevent an interruption in debit or ATM card access while travelling domestically or internationally, we recommend you let us know about 48 hours in advance of your trip, for the cards you plan to use while traveling.

Fortunately, our mobile app allows you to do just that quickly and securely.

Log into our mobile app and click on "More."

Select "Manage My Debit Cards," then "Manage Card."

Choose "Manage travel notifications," then "Add New Travel Notification.

Fill out the brief form, and rest assured.

From Online Access, log into your account, select Manage My Debit Cards from the main menu, and follow the same prompts as above.

Alternatively, you may also call ExpressBank at 844-517-3308.
: Yes. We will send an email to your primary email address on file to notify you when your request has been processed.