Opportunity Banking

We believe in second chances. That’s why we’ve developed Opportunity Banking, an account designed to give you a fresh start from past financial challenges. Opportunity Banking is a checkless account that provides you convenient access to your money, without the burden of writing checks.

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Our Opportunity Banking accounts come with access to QuickSave, a tool designed to help you save money automatically. You'll be surprised by how quickly it adds up!

Download the Simple Guide.

Flexible Payments

Our Opportunity Banking account lets you use our free Visa® Debit Card online or in stores across the world. We also offer one free overdraft refund* per year in case you accidentally overdraw your account. You will also enjoy free Online and Mobile Bill Pay, and the convenience of securely depositing checks anytime, anywhere with free Mobile Deposit.

Additional Features

  • Free access to more than 32,000 MoneyPass ATMs nationwide.
  • Free online statements
  • Overdraft Protection** from a personal BOK Financial money market, savings account, or personal line of credit.
  • 24-hour telephone automated account information 

Monthly Fees

Account Details for Opportunity Banking

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 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.