Featured Savings Rates
Featured Accounts

Bank of Oklahoma

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.50%6+ Year CD7 Year Fixed CD
1.00%5-year CD5 Year Fixed CD
0.20%1-year CD13 Month No Penalty CD Promo

Overview / Commentary
800-234-6181
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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Great Customer Service

Posted by: Anonymous | Aug 9, 2012

BOK has great customer service and employees who will go way above and beyond to help you. Now that there's that federal regulation which makes banks unable to overdraft your account without your permission, that problem is solved. Although they will try to get you to waive that.

Online banking is easy, lots of convenient locations in grocery stores and free checking with a reasonable minimum balance.

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.

CD Only Available To Oklahoma Residents

Posted by: Anonymous | Mar 3, 2011

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.

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

Posted by: lynx41 | Jul 10, 2014

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.

I WILL NEVER SHOP AT BANK OF OKLAHOMA AGAIN!!

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Health
B+

Health Grade Components

Overall
FDIC Certificate #4214
Year Established1910
Employees4620
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD7.4%
Annual Interest Income$402.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$31.82B$30.62B
LoansQ2 2016vs Q2 2015$16.56B$15.39B
DepositsQ2 2016vs Q2 2015$21.19B$21.50B
Equity CapitalQ2 2016vs Q2 2015$2.96B$2.79B
Loan Loss AllowanceQ2 2016vs Q2 2015$243.3MM$201.1MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$230.2MM$87.1MM
Real Estate OwnedQ2 2016vs Q2 2015$23.7MM$34.3MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of Oklahoma Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%--Personal Savings 2.0
0.03%--Youth Savings

Bank of Oklahoma Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.13%*$250k*-Premier Money Market
OTHER TIERS: 0.05% Up to $10k | 0.06% $10k - $25k | 0.08% $25k - $50k | 0.10% $50k - $100k | 0.12% $100k - $250k
0.13%*$250k*-Premier Money Market IRA
OTHER TIERS: 0.05% Up to $10k | 0.06% $10k - $25k | 0.08% $25k - $50k | 0.10% $50k - $100k | 0.12% $100k - $250k
0.13%*$250k*-Premier Money Market Roth IRA
OTHER TIERS: 0.05% Up to $10k | 0.06% $10k - $25k | 0.08% $25k - $50k | 0.10% $50k - $100k | 0.12% $100k - $250k
0.05%--Personal Money Market

Bank of Oklahoma Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%--Advantage
0.01%--Advantage 55

Bank of Oklahoma CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-7 Year Fixed CD
OTHER TIERS: 1.45% Up to $100k
1.00%*$100k*-5 Year Fixed CD
OTHER TIERS: 0.95% Up to $100k
0.90%*$100k*-4 Year Fixed CD
OTHER TIERS: 0.85% Up to $100k
0.70%*$100k*-3 Year Fixed CD
OTHER TIERS: 0.65% Up to $100k
0.60%*$100k*-2 Year Fixed CD
OTHER TIERS: 0.55% Up to $100k
0.50%--17 Month CD Pomo
0.45%*$100k*-18 Month Fixed CD
OTHER TIERS: 0.40% Up to $100k
0.40%*$100k*-1 Year Fixed CD
OTHER TIERS: 0.35% Up to $100k
0.40%--14 Month CD Promo
0.30%*$100k*-180 Day Fixed CD
OTHER TIERS: 0.25% Up to $100k
0.30%*$100k*-270 Day Fixed CD
OTHER TIERS: 0.25% Up to $100k
0.20%*$100k*-7 Month No Penalty CD Promo
OTHER TIERS: 0.15% Up to $100k
0.20%*$100k*-13 Month No Penalty CD Promo
OTHER TIERS: 0.15% Up to $100k
0.15%*$100k*-120 Day Fixed CD
OTHER TIERS: 0.10% Up to $100k
0.10%*$100k*-60 Day Fixed CD
OTHER TIERS: 0.05% Up to $100k
0.10%*$100k*-90 Day Fixed CD
OTHER TIERS: 0.05% Up to $100k
0.08%*$100k*-7 Day Fixed CD
OTHER TIERS: 0.03% Up to $100k
0.08%*$100k*-30 Day Fixed CD
OTHER TIERS: 0.03% Up to $100k
Locations

Bank of Oklahoma has 54 locations. Click to view all Bank of Oklahoma locations.