BOK Financial

Overview / Commentary
One Williams Ctr.
Tulsa, OK 74172

BOK Financial is headquartered in TULSA and is the largest bank in the state of Oklahoma. It is also the 48th largest bank in the nation. It was established in 1910 and as of September of 2023, it had grown to 4,694 employees at 116 locations. BOK Financial's money market rates are 3X the national average, and it has a B+ health rating.

Reviews (1)

Ineffective, Passive-Aggressive, And Stone-Walling Customer Service

When I got my divorce, the car was adjudicated to me in the qualified domestic relations order. In the meantime, BOKF took over Mobank, the original lien holder (based in Missouri). I had moved to MN. When I went to the MN DMV to switch the title into my name alone and to change it to the state of MN, they would not issue the title, because the lien holder on record (Mobank) was not the same as that listed on the lien release (BOKF). The MN DMV wanted a document stating that the two were the same, if that was indeed the case. I thought, No problem.

I called BOKF thinking this would be a quick and easy task. It was NOT. They demanded my ex-husband's account information, the last transaction he made, his ATM card number, etc. I said I am no longer on that account or in contact with my ex-husband, but they refused to accept that, and kept pressing me to "prove my identity."

I explained to them that I didn't need anything private from them, simply a statement that they took over Mobank, for the purposes of getting the car title switched to my name only and issued by MN. They said they do not have such a document. They said it's a matter of public record, anyway, so the State of Minnesota should just look it up.

I tried to explain to BOKF that I am not in a position to tell the State of Minnesota what to do.

If this is such public information, I wonder why they can't provide it themselves? And to say that there is no such document is a lie, as I received that letter in the mail when the transition was made. Even if that particular letter does not currently exist, it would take five minutes to type one up and fax it to the MN DMV.

Instead, they kept me on the phone for 45 minutes, trying to make me "prove you are who you say you are." And even though I had stated my question up front, they put me through this weird passive-aggressive exercise until I had satisfactorily "proved" myself to them. Then after all that, they still refused to provide the information.

Finally, they said they would re-issue the lien with the Mobank letterhead. This is not what MN asked for. However, I was so frustrated by this time that I simply thanked them and hung up.

I got the lien release in the mail just now. It is NOT printed with Mobank letterhead. It is still BOKF. Except now it says in big letters to issue the title to my ex-husband at his address in Kansas. Obviously BOKF is aware that this is my address since they sent the lien release to me here in MN.

People get divorced and move all the time. This is not difficult to understand. My ex-husband, pursuant to the judge's order, has signed over the title. I only wish BOKF would cooperate.

Furthermore, if they had no intention of doing the right thing, they should have simply said that at the beginning of the call. I would have hung up and pursued other routes of getting this resolved. Instead, I have now gone through that hour of excruciating frustration on the phone with them, only to wait weeks for a document that is worse than useless.

My ex-husband and I took out a substantial loan that we paid off flawlessly and on-time. To be treated like this was shocking. If I could give this bank zero stars, I certainly would.


Health Grade Components

FDIC Certificate #4214
Year Established1910
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD13.22%
Annual Interest Income$1.7B
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$48.68B$43.48B
LoansQ3 2023vs Q3 2022$23.47B$21.63B
DepositsQ3 2023vs Q3 2022$33.94B$36.66B
Equity CapitalQ3 2023vs Q3 2022$4.44B$4.19B
Loan Loss AllowanceQ3 2023vs Q3 2022$272.1MM$241.8MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$107.8MM$112.2MM
Real Estate OwnedQ3 2023vs Q3 2022$3.7MM$28.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

BOK Financial Savings Account Rates

0.25%--Youth Savings
0.20%--Personal Savings

BOK Financial Money Market Rates

1.50%*$250k*-Premier Money Market
OTHER TIERS: 0.20% Up to $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.45% $50k - $100k | 1.05% $100k - $250k
1.50%*$250k*-Premier Money Market IRA
OTHER TIERS: 0.20% Up to $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.45% $50k - $100k | 1.05% $100k - $250k
0.35%*$25k*-Personal Money Market
OTHER TIERS: 0.20% Up to $10k | 0.30% $10k - $25k

BOK Financial Checking Account Rates

0.02%--Premier Checking
0.01%--Select Checking

BOK Financial CD Rates

5.15%*$100k*$1m10 Month Promo CD
OTHER TIERS: 5.05% $5k - $100k
4.85%*$100k*$1m17 Month Promo CD
OTHER TIERS: 4.75% $5k - $100k
4.10%*$100k*$250k7 Month No Penalty CD
OTHER TIERS: 4.00% $5k - $100k
3.85%$5k$4m14 Month CD Promo
3.05%*$100k*-2 Year Standard CD
OTHER TIERS: 3.00% $1k - $100k
2.05%*$100k*-3 Year Standard CD
OTHER TIERS: 2.00% $1k - $100k
1.55%*$100k*-4 Year Standard CD
OTHER TIERS: 1.50% $1k - $100k
1.55%*$100k*-5 Year Standard CD
OTHER TIERS: 1.50% $1k - $100k
1.55%*$100k*-7 Year Standard CD
OTHER TIERS: 1.50% $1k - $100k
0.20%*$100k*-18 Month Standard CD
OTHER TIERS: 0.15% $1k - $100k
0.15%*$100k*-180 Day Standard CD
OTHER TIERS: 0.10% $1k - $100k
0.15%*$100k*-270 Day Standard CD
OTHER TIERS: 0.10% $1k - $100k
0.15%*$100k*-1 Year Standard CD
OTHER TIERS: 0.10% $1k - $100k
0.11%*$100k*-7 Day Standard CD
OTHER TIERS: 0.06% $1k - $100k
0.11%*$100k*-30 Day Standard CD
OTHER TIERS: 0.06% $1k - $100k
0.11%*$100k*-60 Day Standard CD
OTHER TIERS: 0.06% $1k - $100k
0.11%*$100k*-90 Day Standard CD
OTHER TIERS: 0.06% $1k - $100k
0.11%*$100k*-120 Day Standard CD
OTHER TIERS: 0.06% $1k - $100k
0.03%$5k$500k15 Month Flex CD

BOK Financial IRA Rates

5.05%$5k$1m10 Month Promo IRA CD
4.75%$5k$1m17 Month Promo IRA CD
4.00%$5k$250k7 Month No Penalty IRA CD
3.00%$100-2 Year IRA CD
3.00%$100-30 Month IRA CD
2.00%$100-3 Year IRA CD
1.50%$100-4 Year IRA CD
1.50%$100-5 Year IRA CD
1.50%$100-7 Year IRA CD
0.15%$100-18 Month IRA CD
0.10%$100-6 Month IRA CD
0.10%$100-1 Year IRA CD
0.03%$5k$500k15 Month Flex IRA CD

Sorry, but we do not have location data for BOK Financial. Its headquarters is located at One Williams Ctr. - Tulsa, OK 74172

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