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One Williams Center
Tulsa, OK 74172

Bank of Oklahoma is a subsidiary of Bank of Oklahoma Financial, which is one of the largest holding companies in the United States as measured by assets. The bank offers personal and business banking products and services, as well as wealth management solutions for both individuals and institutions.

On its personal banking side, Bank of Oklahoma offers depository and lending products and services. All of its checking account options have monthly service fees unless certain conditions are met that would waive them. The bank’s senior citizen-focused checking account comes with an emergency medical CD option and a free safe deposit box. Bank of Oklahoma’s savings account offering requires a monthly electronic transfer of a low amount from a Bank of Oklahoma checking account or a minimum account balance in order to avoid a monthly service charge. This savings account is designed to encourage depositors to save, and the bank will even match a portion of a customers’ savings up to a certain amount. The bank’s money market account has a minimum balance requirement in order to avoid a service charge. The money market’s interest rates vary depending on the level of funds the account. CDs range in term lengths from 7 days to 7 years and IRA CDs range from 6 months to 7 years.

Bank of Oklahoma online banking provides access to 7 years worth of banking statements, Quicken financial management integration, fund transfers, and Bill Pay. Mobile banking apps released by the bank makes it easy to manage accounts from a smartphone or tablet device, and customers can transfer funds anytime and in any place. Bank of Oklahoma also manages a separate site dedicated to educating and keeping customers up-to-date with the latest banking news and tips.

Bank of Oklahoma was originally established in 1910 under the same name. It changed its name to BOKF, National Association in 2011, and is headquartered in Tulsa, Oklahoma. The bank serves its customers through numerous branches in multiple states nationwide.

Related Posts

No Wonder They Had A Lawsuit Filed Against Them

Beware of using this bank - there is a reason they had a class action lawsuit filed against them from many of their customers and which BOK SETTLED out of court.  BOK AGREED to pay back $19 MILLION dollars in excessive overdraft fees they charged us customers - and they are still doing it!! Today, I closed my checking account with them after 21 years due to having to pay five $32.50 overdraft fees which all occured in a single day.  They started the overdrawing of my account with the HIGHEST item to be paid.  They are not dummies.  They found a way to maximize profits in overdraft fees while ripping off customers who like me had been withthem over 20 years!! I asked them to help me and drop some of the charges and they said no becuase i had agreed to the written overdraft fee charge.  Boy, what happened to helping out a customer who had years of loyalty?? Watch out for them - they are charging fees which many law experts are criminal - park your money elsewhere.

Not The Best Rates, But Great Customer Service.

I've had an account with BOk for 13 years now and have never had an issue with them.  The branches are always adequately staffed, you can do most tasks online and they have 24/7 phone support that connects you to an actual person without long waits.  The interest rates aren't great, but if you don't keep a large balance in your checking account, the trade-off is well worth it.


Went into there branch in grove ok today to cash a tenants check, like I have for the past three months only to find out that it will cost me $6.50 since I dont have an acct. What???? I said Ive cashed it the last 3 months and she says whoever did that could get fired!!! So my tenants cant give his money to me without me paying a $6.50 fee?? So i called him and told him he would have to go to the bank and get cash from now on and he said I will today but then Im closing that acct. Thats ridiculious

Bank Of Oklahoma Loosing My Deposits!

I am a local business owner and am constantly using my business account to make deposits and other transactions.  I have to keep a close eye on my business account because there is always somebody who wants a piece of the pie and if you don't watch the money, it will quickly disappear.  Well, this time it is the bank itself.  I can understand occassional mishaps, but this is the 4th time they have lost one of my deposits within 2 years?  It is kind of interesting to note two things. One is that they never miss an expense, ever, but when it comes to your hard earned money that you deposit, trusting the bank to do their job, you really have to supervise what is going on? Second, when they loose your deposit, they put the burden on you to prove that you made a deposit- so don't throw away your deposit slips, ever, or they will not refund the lost deposits!

Last time, they got back with me and told me they accidently put my deposit into someone elses account. When I asked questions, the woman got rather snippy with me like it was none of my business to ask what happened to my money? Finally, she admitted it was their mistake. Time before that, they didn't have a clue what happened to my deposit? They said occassionally, their scanners loose deposits, like it was no big deal to them.

Gee! This bank is quick to charge me $32.50 if I am 1 penny short, but they just blow me off when they loose my deposits?  What the hell is wrong here?? They should give me $32.50 every time they screw up!  I would be ahead by $130 by now!

Please let me know if this is happening to anyone else who banks with BOK?



Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bank of Oklahoma had $191.84 million in non-current loans and owned real-estate with $2.46 billion in equity and loan loss allowances on hand to cover it. This gives Bank of Oklahoma a Texas Ratio of 7.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Oklahoma decreased slightly from 8.77% as of December 31, 2012 to 7.80% as of December 31, 2013, resulting in a positive change of 11.03%.This indicates that the balance sheet and financial strength for Bank of Oklahoma has improved slightly in recent periods.

Deposit Growth


In the past year, Bank of Oklahoma has decreased its total deposits by -$799.82 million, resulting in -3.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Oklahoma has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Oklahoma has $26.8 billion in assets with $2.46 billion in equity, resulting in a capitalization level of 9.18%, which is average.

Institution Statistics

FDIC Certificate #4214
Year Established1910
Primary RegulatorOCC
Assets and Liabilities
Assets$26.80 billion
Loans$12.77 billion
Deposits$20.86 billion
Equity Capital$2.27 billion
Loan Loss Allowance$185.40 million
Unbacked Noncurrent Loans$100.92 million
Real Estate Owned$90.92 million
Historic Data - December 2012
Assets$27.93 billion
Equity Capital$2.36 billion
Loan Loss Allowance$215.51 million
Unbacked Noncurrent Loans$100.92 million
Real Estate Owned$102.40 million
Profit Margin - Quarterly
Net Interest Margin2.77%
Return on Assets1.13%
Return on Equity12.91%
Interest Income$742.05 million

Always verify rates and promotions with the bank or credit union. We are not Bank of Oklahoma, we are a rate comparison website and can not provide official rates or promotions.

Bank of Oklahoma Savings Account Rates

0.03%--Personal Savings 2.0

Bank of Oklahoma Money Market Rates

0.15%$25k-Premier Money Market
0.15%$25k-Premier Money Market IRA
0.15%$25k-Premier Money Market Roth IRA

Bank of Oklahoma Checking Account Rates

0.01%--Advantage 55

Bank of Oklahoma CD Rates

1.30%$100k-7 Year Fixed CD
0.80%$100k-5 Year Fixed CD
0.60%$100k-4 Year Fixed CD
0.40%$100k-3 Year Fixed CD
0.40%$100k-2 Year Fixed CD
0.25%$100k-18 Month Fixed CD
0.20%$100k-180 Day Fixed CD
0.20%$100k-270 Day Fixed CD
0.20%$100k-1 Year Fixed CD
0.15%$100k-120 Day Fixed CD
0.10%$100k-60 Day Fixed CD
0.10%$100k-90 Day Fixed CD
0.08%$100k-7 Day Fixed CD
0.08%$100k-30 Day Fixed CD

Bank of Oklahoma IRA Rates

1.25%--7 Year IRA CD (Traditional,Roth)
0.75%--5 Year IRA CD (Traditional,Roth)
0.55%--4 Year IRA CD (Traditional,Roth)
0.35%--2 Year IRA CD (Traditional,Roth)
0.35%--30 Month IRA CD (Traditional,Roth)
0.35%--3 Year IRA CD (Traditional,Roth)
0.20%--18 Month IRA CD (Traditional,Roth)
0.15%--6 Month IRA CD (Traditional,Roth)
0.15%--1 Year IRA CD (Traditional,Roth)

Bank of Oklahoma has 172 locations. Click to view all Bank of Oklahoma locations.