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BOK Financial

Free Checking

Free Checking

Checking doesn’t get simpler than this. Free Checking has absolutely no monthly service fee when you choose online statements, and is packed with full service benefits!

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Checking Accounts Are All the Same. Or…Are They?

At BOK Financial, you get all the benefits you expect from a checking account, like an easy-to-use app, the ability to turn your debit card off and on, and free access to more than 32,000 MoneyPass ATMs nationwide. But who’s counting? Not only that, but Free Checking comes with no monthly service fee when you enroll in online statements.

See the Simple Guide to Free Checking

Account Features

  • Debit Card

    Totally Free Access

    With Free Checking, you get a free Visa® Debit Card and unlimited transactions, so you can make purchases in store or online to your heart's content. Your debit card also doubles as an ATM card, allowing you to make deposits at any BOK Financial ATM. And, you get free access to more than 32,000 ATMs nationwide.

    Find ATMs

  • Convenience

    Convenience at Your Fingertips – For Free

    You won’t be charged a monthly service fee when you choose to receive online statements. Get 24/7 access to your account in online and mobile banking to view transactions, get instant alerts, pay bills, transfer funds or make mobile deposits through our app.

    Learn More

  • Savings Goals

    Reach Your Savings Goals Faster with QuickSave

    Our Free Checking account comes with access to QuickSave, a tool designed to help you save money faster. If you enroll, every time you use your Visa® Debit Card to make a qualifying purchase, or complete an Online Bill Pay transaction, we'll automatically transfer an amount of your choosing into savings.


Enjoy These Perks with Your Account

Free Checking is free when you sign up for online statements, and comes packed with convenient features and enhancements designed to help you live your best financial life. How you shop, spend, budget, save, pay bills or send money should be up to you. After all, it’s your money. We’re just here to make it a little easier for you.

  • Deposit checks, set account alerts, transfer funds, pay bills, send and receive money between friends with Zelle®, access your account statements, manage your debit and credit cards, and even your mortgage and personal loans all from our mobile app. Schedule an appointment to speak with a banker, or use our 24-hour automated ExpressBank to manage your account.
  • Send and receive money between friends and family with Zelle®, pay bills securely online or through our mobile app, make external transfers to your account at another bank, and transfer funds between your accounts with us. Use Apple Pay1 and Samsung Pay2 to easily and securely pay in-store, in-app, or online.
  • Easily find our banking centers and ATMs near you. You can use BOK Financial ATMs to deposit checks, transfer funds, check your balances and more. Plus get free access to more than 32,000 additional no-fee ATMs nationwide.
  • Get free overdraft protection transfers3 from your linked savings, money market account or personal line of credit. Visa's Zero Liability4 covers unauthorized charges on your debit card when promptly reported. Instantly block and unblock your debit card if lost or stolen, and set account alerts to stay in the know on your account activity.

More about Free Checking

  • Free Visa debit card
  • Free online and mobile banking with Bill Pay
  • Free access to more than 32,000 ATMs nationwide
  • QuickSaveSM
  • One complimentary overdraft fee refund per calendar year (upon request)
  • Overdraft Protection3
  • Free online statements
  • ExpressBank 24-hour telephone automated account information

A $50 opening deposit is required.

  • There is no monthly service fee for this account.
  • If you choose to receive a monthly statement via postal mail, a statement fee of $1.50 will be assessed each month. To avoid this fee, you can turn off paper statements by logging in to Online or Mobile Banking, selecting “online only”, and accepting the Online Statements Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement.

$50 opening deposit is required.

1 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.

2Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.

3 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.

4Visa's Zero Liability Policy does not apply to ATM transactions or to PIN Transactions not processed by Visa. U.S. issued cards only. See terms and conditions for Visa Debit Card.

Ready to Get Started?

Safely and securely open a Free Checking account online or by phone at

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See the Summary of Fees and Definitions and Agreements and Disclosures.