Minimum Opening Deposit
A $50.00 deposit is required to open this account.
You must be a senior 55 or older to open this account.
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by maintaining $10,000.00 average combined monthly balances in any combination of the following personal accounts:checking, money markes, savings, CDs, IRAs, installment loans and lines of credit. Mortgage balances are excluded from the combines balance calculation AND/OR Bank of Arkansas mortgage with auto-debit
Annual Percentage Yield (APY)
The account earns 0.01% interest.
Debit Cards & Using ATMs
ATM Fee Reimbursements
1 fee rebate at an ATM outside the network per statement cycle
Surcharge-Free ATM Access
Surcharge-free ATM access is available at participating merchants located in Oklahoma. See website for details.
Non-affiliated ATM Usage Fee
$0.00, and 1 fee rebate at an ATM outside the network per statement cycle
International ATM Usage Fee
There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
$0.00 thru Zelle
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- Confirmation that bills have been paid;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Free standard checks of 50% off premium styles
Monthly Paper Statements
Check Images with Statements
Online Check Images
Images of canceled checks can be viewed online for 3 months.
Overdrawing the Account
Free Account Overdraft
You can overdraw this account one time per year before being assessed an insufficient funds fee.
Returned Item Fee
The Insufficient Funds Fee is $32.50 per overdraft. One fee per year is refunded
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $7.50. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Money Market Account:- Transfer fee of $7.50. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $12.50. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
About Bank of Oklahoma
"Bank of Oklahoma - Long Live Your Money." Bank of Oklahoma is based in Tulsa and has over 90 locations in Oklahoma. Part of the BOKF Corp family of banks, it offers checking, savings, loan, investment, and wealth management services to individuals and companies in Oklahoma. From BOFK's website: "[Our] vision is to provide sophisticated nationally competitive products with personal responsive client service."