Free Checking

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

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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.

Download the Simple Guide to Free Checking.


You won’t be charged a monthly service fee – ever! With Free Checking, you can monitor your checking account at any time, either online or on your phone to view transactions, get instant alerts, or pay bills for free. Plus, our mobile app comes with free Mobile Deposit and the added security of Touch ID and Face ID.

Online and Mobile Banking


With Free Checking, you get unlimited check writing as well as a free Visa Debit Card, so you can make purchases in store or online at your convenience. 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 MoneyPass ATMs nationwide..

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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, we'll automatically transfer an amount of your choosing into savings.


Additional Benefits

  • Free online and mobile banking
  • Free online and mobile bill pay
  • One overdraft fee refund per year (upon request)
  • Overdraft Protection*
  • A low $50 opening deposit required
  • Free access to more than 32,000 MoneyPass ATMs nationwide.

Monthly Fees

How it Works: QuickSave

Saving for the future is important but we know it's not easy — especially when you go it alone. Now you have a partner to help you, BOK Financial. QuickSave is a tool that allows you to automatically put a set amount into your savings account every time you use your debit card to make a qualifying purchase. And, we'll match a portion of those savings!

When you set up your QuickSave account, you'll determine how much you'd like to save with each transaction, either $0.25 or $0.50, and we'll link everything to your BOK Financial savings or money market account. Each night, we'll take the number of debit card and Online Bill Pay transactions, multiply the total by your QuickSave(SM) amount, the $0.50 or $0.25, and then transfer that amount to your savings or money market account in one transfer. Each year, we'll automatically transfer our match amount within 6-8 weeks after the anniversary date of your account. After you've enrolled, you can see the transfer activity in both your checking account and savings account.

The sky's the limit for how much you can save using QuickSave, and BOK Financial will match up to $250 of those savings each year. To calculate how much you might save this year, try using our calculator.

Just tell us the amount you want to transfer to your savings account with each transaction and we'll do the rest. Stop by one of our convenient banking centers or call an ExpressBanker at (844) 517-3308 to get started today!

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Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message or call us at (844) 517-3308.



Can I order checks online?

Absolutely. Just visit our ordering page. There, you can customize your checks with different designs and formats, and order as many as you need.

Where can I find my ABA routing number?

The BOK Financial Routing Number is: Arizona: 122105498 | Arkansas: 082901392 | Colorado: 102000607 | Kansas and Missouri: 101015101. You can also find it on your BOK Financial checks in the location shown below:


What is Online and Mobile Bill Pay?

Bill Pay is a service that lets you pay your bills from your computer or mobile device, without having to write or mail a check. It's easy and fast, and can even be set up to pay recurring bills automatically. No checks to write, no envelopes to address and no stamps to lick. Learn more about Online Bill Pay today.

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