Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

BOK Financial Review

Your Details Done
by Updated
BOK Financial Savings
0.15% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


BOK Financial Bank started in 1910 with headquarters in Tulsa, Oklahoma. It has assets of $32 billion along with deposits totaling $22 billion, which makes it a very large bank. BOK Financial lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. With a score of 3.8 stars out of 5, BOK Financial should be near the middle of the pack in your search for a bank. BOK Financial has a complete choice of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. BOK Financial has a fair savings rate; other popular banks have higher rates. The bank's standard checking product features a monthly fee of $4.95, although banks sometimes have requirements that allow you to waive the fee. Obtaining a checking account with no monthly fee and a savings account with a high interest rate at the same institution is the best option for getting the most income on your deposits while maintaining easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.15%, BOK Financial ranks poorly in comparison to other U.S. banks. Its one-year CD earns at a rate of 1.00% and the five-year CD earns at a rate of 2.60%, while its highest-yielding money market account has an APY of 0.30%. Given its noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

How BOK Financial 's Savings Rates Compare

BOK Financial Savings 0.15 National Average 0.26 Compare Offers
Back to Overview


SmartAsset Average: 4.4

BOK Financial charges customers above-average fees in comparison to the national average. BOK Financial 's checking account has a monthly fee of $4.95, rating it fair for anyone looking for a simple account. For those who often withdraw money from the ATM, BOK Financial is fair because it has an out-of-network ATM fee of $2.00, which is reasonable compared to other U.S. banks. Also, at $32.50, BOK Financial 's overdraft fee is noticeably lower than the national average overdraft fee. BOK Financial doesn't refund out-of-network ATM charges, which means you'll be required to locate a BOK Financial ATM or pay the withdrawal fee.

Monthly Fee $4.95 National Average: $3.21
Non-network ATM Fee $2.00 National Average: $1.20
Overdraft Fee $32.50 National Average: $35.00
Back to Overview

Service Quality

SmartAsset Average: 3.7

BOK Financial Bank is a brick-and-mortar bank, with 135 total bank locations in Arizona, Arkansas, California, Colorado, Kansas, Missouri, New Mexico, Oklahoma and Texas. With mobile and web apps, BOK Financial makes account access convenient, even on the go. It does not have all-day customer service with actual service representatives. You can get help during its hours, which are Monday through Friday, 7:00 a.m. to 9:00 p.m. CT; Saturday, and 8:00 a.m. to 5:00 p.m. CT. BOK Financial receives moderate marks from customers for its online presence. The BOK Financial mobile app has been given a 3.9 out of 5 (with 1,400 ratings on Apple and Android) compared to the national average of 3.8. BOK Financial 's mobile app allows you to manage your bank accounts by looking at current statements, sending and receiving money and reaching support representatives. However, BOK Financial gets an average consumer satisfaction rating due to a large number of complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.9/5
Consumer Satisfaction Rating 3.0/5
Online Banking Portal No
Live Chat No
Back to Overview

Financial Health

SmartAsset Average: 4.8

BOK Financial is a very large bank with $32 billion in assets as well as deposits totaling $22 billion. Its Texas Ratio is 5.44%, denoting that BOK Financial is in fine financial shape and improbable to fail. Additionally, BOK Financial is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare BOK Financial to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.15% APY $1
Checking Account 0.15% APY $1
Certificates of Deposit
  • 12 Month: 1.00% APY
  • 24 Month: 2.35% APY
  • 36 Month: 2.35% APY
  • 48 Month: 2.50% APY
  • 60 Month: 2.60% APY
$1000 for all terms
Money Market Account 0.3% APY $25000

BOK Financial Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. BOK Financial does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. BOK Financial 's CD rates are fair compared to the average U.S. bank.

Back to Overview

Find a BOK Financial Near Me

BOK Financial has 135 branches in the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure