14 Best Banks in Oklahoma for 2024

While the bank primarily operates in North and South Carolina, it’s also present in 23 states. Notably, the bank offers some of the best rates on CDs you can find among traditional banks.

For the free checking account, there are no monthly maintenance fees when you enroll in paperless statements, and you only need a $50 minimum deposit to open an account.

When it comes to interest rates, you can earn up to 4.76% on CDs. Additional benefits include home improvement loans and a mobile app that offers financial management tools.

There are no monthly fees or minimum balance requirements. One of the features that people love is the early direct deposit, which allows you to get your paycheck up to two days before the usual payday.

Your money is also secure with SoFi, thanks to FDIC insurance coverage up to $2 million.

New customers are welcomed with bonuses that can range from $50 to $300, and if you ever find yourself short, there’s no-fee overdraft coverage for qualifying accounts.

With access to over 55,000 ATMs, it’s easy to get cash when you need it.

While their ATM network is confined mainly to Oklahoma, they make up for it with a significant number of ATMs—over 450, some of which are conveniently located in high-traffic areas like Tulsa and Oklahoma City.

For checking accounts, the bank doesn’t charge a monthly fee, and you only need a $50 deposit to get started. Additionally, there’s no requirement for a minimum daily balance.

When it comes to savings, although the rates on standard savings accounts are on the lower end, you can enjoy up to 1.10% APY on money market accounts and as high as 4.75% APY on CDs.

Additionally, BOK Financial isn’t just about basic banking; they also provide a range of wealth management services. If you’re in the market for personal or auto loans, their rates are quite competitive.

The Upgrade Rewards Checking Plus account removes common banking barriers such as minimum deposits, monthly fees, overdraft fees, and transfer fees.

Customers enjoy advantages like early direct deposit, allowing access to paychecks up to two days earlier. The account also rewards regular spending with up to 2% cash back on debit card purchases.

The Upgrade Premier Savings account offers an attractive 5.21% APY on balances above $1,000.

Through its partnership with Cross River Bank, Upgrade provides FDIC insurance protection up to $250,000 for all accounts.

Utilizing the Current debit card for everyday purchases can help improve your credit score without needing to borrow money or undergo a credit check.

Current offers a free overdraft cushion up to $100 and gives you the advantage of 40,000 fee-free ATMs. Furthermore, you can receive your paycheck as much as two days ahead of the standard schedule.

For those interested in savings, Current offers a high-yield savings account with a 4.00% APY on balances up to $6,000. Partnered with dependable banks and insured by the FDIC, Current offers a secure means to handle your finances. It’s an excellent choice for those in Hawaii seeking a straightforward banking solution.

For its Total Checking account, you can avoid the $12 monthly fee by either receiving $500 in direct deposits each month or maintaining a $1,500 balance in the account. Opening an account comes with no minimum deposit, and there’s no ongoing minimum balance requirement either.

When you need access to your money, Chase offers free ATM withdrawals at over 16,000 locations. Although their savings account rates may be less competitive, you can earn up to 3.75% on CDs.

What sets Chase apart are the additional perks, like various credit cards that earn you rewards. Overall, Chase Bank is one of the best banks in Oklahoma for those who prefer the reach and amenities of a national bank but also value localized services.

A drawback is the $6 monthly fee for online bill pay. Despite this, the bank’s competitive CD rates and expansive ATM network make it an attractive option.

The checking account also has a $3.95 monthly maintenance fee, but this can be waived under certain conditions. A minimum deposit requirement of $50 is needed to open the account, and there are no ongoing minimum balance requirements as long as you maintain $75 to avoid the monthly fee.

You can enjoy free ATM withdrawals at any VISA and Cirrus ATM locations. Interest rates can go up to 4.70% on CDs. Additionally, City National Bank has a range of loan options for home, auto, and personal needs, as well as diverse business account options.

The free checking account requires a $100 minimum opening deposit, but no ongoing balance requirements to worry about. As for ATMs, you have the luxury of no-fee withdrawals at any BancFirst or Oklahoma Walgreens locations.

While there are no monthly maintenance fees, BancFirst also features a tiered-interest savings account, adding an extra layer of financial benefit for account holders.

From reward-earning debit cards to a diverse range of business loan options, BancFirst aims to meet various financial needs, making it a solid choice for those residing in Oklahoma.

Although ATM and branch access is localized to Oklahoma City, F&M offers the unique benefit of refunding up to $20 in out-of-network ATM fees every month.

To open a checking account, a minimum deposit of $50 is required, but there’s the relief of no ongoing minimum balance requirements. F&M Bank also offers up to 3.04% APY on savings accounts.

The Oklahoma bank further enhances its customer experience with various business solutions and the added perk of daily credit score access through its app. Overall, F&M Bank is a compelling option for Oklahoma City residents seeking both robust offerings and localized service.

Their Live Free Checking Account is particularly enticing, which has a feature called Early Pay that allows you to get paid early.

Opening a checking account requires a $100 deposit, but no minimum balance is required. In terms of interest, you can earn up to 4.00% APY on savings accounts and up to an impressive 5.00% APY on CDs.

MidFirst Bank also offers commercial and small business loans, investment and retirement accounts, home and auto loans, and much more.

Opening a checking account with Arvest requires a modest $50 opening deposit and comes with no monthly fees or minimum balance requirements.

While their savings account rates may not be the most competitive, they offer a standout feature in their CDs, which can earn you up to a stellar 5.05% APY.

Besides the compelling rates, Arvest also offers a $50 VISA reward card for each customer you refer, as well as complimentary notary services with some checking accounts.

The bank provides a broad reach in Oklahoma through its branches and ATMs, and extends this access nationwide via a partnership with the Allpoint network, covering over 40,000 locations.

Opening an account is straightforward, with a $25 minimum deposit. Additionally, Gateway First Bank offers a truly competitive edge by not charging overdraft fees. You can earn 0.50% interest on checking accounts, 2.50% on savings accounts, and as much as 5.25% APY on CDs.

Gateway First Bank also provides additional services that add value, including options for small business banking and wealth management.

While the bank doesn’t disclose all its fees and rates online, it doesn’t charge a monthly service fee for its checking accounts.

To open an account, an initial deposit is required, although the specific amount isn’t publicly stated. There’s also no daily minimum balance requirement, which makes it a flexible choice for those who don’t want to keep a large sum in their bank account.

In addition to the basics, First National Bank of Oklahoma offers a range of services that extend beyond checking and savings. The bank has competitive rates for home and auto loans and provides robust options for business banking.

With no monthly fees, this Oklahoma bank offers a straightforward approach to personal banking, requiring just a $25 minimum deposit for checking accounts.

When it comes to ATMs, the bank goes above and beyond by offering free transactions at Oklahoma Fidelity locations, as well as access to more than 90,000 fee-free Allpoint and MoneyPass machines nationwide.

The interest rates are worth noting, with CDs offering up to 1.25% APY and money market accounts offering up to an impressive 4.25% APY.

Beyond basic banking services, Oklahoma Fidelity Bank encourages spending by providing a $0.05 cash back incentive on debit transactions, as long as you make at least 10 purchases each month.