Opportunity Banking

More about Opportunity Banking

Additional Benefits

• Free Visa debit card
• Free online and mobile banking with Bill Pay
• Free access to more than 32,000 ATMs nationwide
• QuickSave^SM
• One complimentary overdraft fee refund per calendar year (upon request)
• Overdraft Protection⁶
• Free online statements
• ExpressBank 24-hour telephone automated account information

Monthly Fees

• $10 monthly service fee or $5 monthly service fee with a qualifying direct deposit of regular monthly income of at least $300 per statement cycle, deposited electronically to your account through the automated clearinghouse (ACH). Examples of a qualifying direct deposit would be your salary, pension, government benefit payment, such as Social Security, or regular monthly income from an employer or third party.
• 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.

Additional Account Details

• $50 minimum opening deposit required

¹ Subject to approval

² One overdraft fee refund per calendar year (upon request)

³ You may request an upgrade to a different checking product after one year at the discretion of the bank, provided your account has been managed appropriately.

⁴ 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.

⁵ Samsung, 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.

⁶ If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you 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 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. 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. Transfers from your savings or money market account may be subject to an excessive withdrawal fee. See Summary of Fees and Definitions for pricing.

⁷ Visa'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.