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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.

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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.

Bank ATM Swallows Business Checks & BOK Blows Me Off!!

BOK doesn't even own their ATM machines. They lease them from an out of state vendor. Last month, their ATM machine swallowed up 3 bus. acct checks totaling almost $1100. It just choked on them and didn't give me a receipt as if I didn't make a deposit? I immediately called the express bank and the matter was handled professionally and courteously, but the next day I get this phone call from a snotty supervisor who announced to me that this matter will take up to 45 days to resolve and if they find I was lying to them, they would take legal steps to get any temporary funds covering this incident back from me. I asked if this matter could be expedited because my customers tend to be transient? She tells me that this would not be possible and asked if there was anything else that she could do for me? Wow! I couldn't believe she was talking to me like this when their machine did this??

Then I pursued the matter and spoke with an analyst who confirmed that it could take 45 days to get results from this investigation because they have to wait until someone gets good and ready to collect the checks within the next 30 days? I asked if they could just send someone out to pull my checks out of the D$M machine and she again explained this would not be possible because they have pay for someone to make a special trip to do this? Then I told her that she has a big problem then because the ATM is no longer accepting ANY bank deposits at all? This seemed to make a big difference now that BOK wasn't getting ANY money at all from the machine. Since I mentioned this factor, her response suddenly changed? Within a couple of hours, the ATM checks were recovered and she calls me with this information like she did some kind of heroic act on my behalf as if I was important to them?

The next day, I spoke to the branch manager and told him about some of my most recent problems with this bank and he didn't seem to really care? He says to me with this nonchalant look, "I am sorry that you have had these difficulties lately? Perhaps, you may consider leasing a home check scanner, so you can send the deposits to the bank yourself electronically? Is there anything else we can help you with?" Then he referred me to another employee to get me to pay for this over priced service and out of his hair.

At this point, I decided enough was enough and took steps to get my money out of this bank and go elsewhere. The new bank I am at treats me like I am someone important and handles my business affairs with competence, accuracy, and expediency. I told my new bank about the ATM incident and they were amazed about how poorly I was treated and assured me that my checks will be recovered by the next day if this ever happens.


CD Only Available To Oklahoma Residents

Great rate (relatively speaking) on the 7 yr CD. After the first page of the application online, the application closed saying accounts can only be opened for residents of Oklahoma. Slightly saddened in NC.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Oklahoma had $195.49 million in non-current loans and owned real-estate with $2.58 billion in equity and loan loss allowances on hand to cover it. This gives Bank of Oklahoma a Texas Ratio of 7.59% 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 experienced no significant changes from 8.32% as of March 31, 2013 to 7.59% as of March 31, 2014, resulting in a positive change of 8.79%.This indicates that the balance sheet and financial strength for Bank of Oklahoma has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of Oklahoma has increased its total deposits by $672.66 million, resulting in 3.31% 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 excellent.



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 $27.16 billion in assets with $2.58 billion in equity, resulting in a capitalization level of 9.48%, which is average.

Institution Statistics

FDIC Certificate #4214
Year Established1910
Primary RegulatorOCC
Assets and Liabilities
Assets$27.16 billion
Loans$13.09 billion
Deposits$20.97 billion
Equity Capital$2.39 billion
Loan Loss Allowance$185.32 million
Unbacked Noncurrent Loans$101.29 million
Real Estate Owned$94.20 million
Historic Data - March 2013
Assets$27.18 billion
Equity Capital$2.42 billion
Loan Loss Allowance$205.97 million
Unbacked Noncurrent Loans$101.29 million
Real Estate Owned$101.54 million
Profit Margin - Quarterly
Return on Assets1.17%
Return on Equity13.53%
Interest Income$178.62 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
0.75%--5 Year IRA CD
0.55%--4 Year IRA CD
0.35%--2 Year IRA CD
0.35%--30 Month IRA CD
0.35%--3 Year IRA CD
0.20%--18 Month IRA CD
0.15%--6 Month IRA CD
0.15%--1 Year IRA CD

Bank of Oklahoma has 82 locations. Click to view all Bank of Oklahoma locations.