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Oklahoma combines small-town charm with growing cities like Tulsa and Oklahoma City. With a low cost of living and a strong job market, it’s an appealing place to live—and that includes plenty of choices when it comes to banking.
From local banks with deep community roots to national banks offering high-tech features and competitive rates, Oklahoma has solid options for every banking style.
13 Best Banks in Oklahoma
Whether you want fee-free checking, strong savings rates, or convenient ATM access, the top banks in Oklahoma cover all the bases. We’ve reviewed the best options based on fees, features, accessibility, and overall value.
SoFi is a top choice for Oklahomans who prefer online banking and want to maximize interest earnings.
With its high-yield Checking & Savings account, you can earn up to 3.80% APY on savings and 0.50% APY on checking balances.
New customers can qualify for a welcome bonus between $50 and $300, depending on the amount of their initial direct deposit.
There are no monthly fees or minimum balance requirements. You’ll also get early direct deposit—your paycheck can land in your account up to two days sooner than usual.
SoFi provides up to $2 million in FDIC insurance and offers up to $50 in no-fee overdraft coverage for accounts with qualifying direct deposits.
With access to more than 55,000 Allpoint® ATMs, withdrawing cash is convenient no matter where you are in Oklahoma.
BOK Financial, also known as Bank of Oklahoma, offers the service of a community bank with the digital tools of a larger institution.
It has a strong presence across the state, with branches in cities like Broken Arrow, Edmond, Norman, Oklahoma City, and Tulsa.
The bank operates more than 450 ATMs throughout Oklahoma, including locations in high-traffic areas, making access to cash convenient even without a nationwide network.
Checking accounts have no monthly maintenance fees and require just a $50 deposit to open. There are also no minimum balance requirements to keep the account active.
While basic savings rates are modest, BOK Financial offers competitive returns on money market accounts and CDs. The bank also provides wealth management services and competitive rates on personal, auto, and home loans.
Upgrade is a strong pick for Oklahomans who prefer modern, fee-free online banking.
The Rewards Checking Plus account has no monthly fees, no overdraft or transfer charges, and doesn’t require a minimum deposit to open.
You can get paid up to two days early with direct deposit, earn up to 2% cash back on everyday debit card purchases, and access over 55,000 ATMs nationwide without fees.
For savers, the Premier Savings account delivers a competitive 4.02% APY on balances over $1,000.
It’s a straightforward, perks-heavy option for anyone looking to manage their money efficiently and avoid unnecessary costs.
Current is a popular fintech company in the U.S. that provides straightforward online banking to a large customer base.
One of its distinct features is it doesn’t use ChexSystems or pull your credit report, making it a go-to option for those with poor credit or no credit history.
Its debit card helps build credit through everyday purchases—no borrowing or credit check required.
You’ll get fee-free overdraft coverage up to $100, access to 40,000 ATMs, and early direct deposit up to two days in advance.
Current also offers 4.00% APY on savings balances up to $6,000. Partnered with FDIC-insured banks, it’s a secure and hassle-free option for anyone looking for a simple, flexible way to manage their money.
Chase is one of the most accessible national banks in Oklahoma, with branches in cities like Broken Arrow, Edmond, Lawton, Moore, Norman, Oklahoma City, Stillwater, and Tulsa.
New customers can earn a $200 bonus by opening a Total Checking account and setting up qualifying direct deposits.
The account has a $12 monthly fee, but you can waive it by receiving $500 in monthly direct deposits or maintaining a $1,500 daily balance.
There’s no minimum deposit required to open the account and no ongoing balance requirement.
Customers also get free ATM access at more than 16,000 Chase locations nationwide.
While Chase’s savings rates are modest, the bank offers competitive CD rates and a wide selection of credit cards with cash back, travel perks, and sign-up bonuses.
City National Bank and Trust, based in Lawton, Oklahoma, has numerous branches throughout the state. A free checking account is available if you can maintain a $75 balance and opt for e-statements.
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 withdraw funds for free at any VISA and Cirrus ATM locations. CDs offer higher interest rates, while City National Bank also provides various loan options for home, auto, and personal needs, along with several business account options.
BancFirst is an Oklahoma-based bank with locations across the state. The bank offers a wide range of banking services, including checking and savings accounts, loans and mortgages, investments and retirement planning.
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.
F&M Bank is a family-owned local bank with branches in cities like Edmond, Guthrie, Piedmont, and Yukon, in addition to several locations throughout Oklahoma City.
Its interest-bearing checking account offers solid returns for customers who maintain higher balances.
While ATM and branch access is localized, F&M helps offset that by reimbursing up to $20 in out-of-network ATM fees each month.
You’ll need a $50 deposit to open an account, but there are no minimum balance requirements.
The bank also offers competitive savings rates, small business banking services, and free daily credit score monitoring through its mobile app.
It’s a strong pick for those who want personalized service and live near an F&M branch.
For those based in Norman looking for a local bank, MidFirst Bank is worth considering, with its branches conveniently located throughout the area.
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, with no minimum balance needed afterward. The bank offers attractive interest rates, with savings accounts earning strong returns and CDs offering even higher rates.
MidFirst Bank also offers commercial and small business loans, investment and retirement accounts, home and auto loans, and much more.
Arvest Bank strikes a balance between the personalized service of a community bank and the broader reach of a regional bank.
Operating across multiple states, including Arkansas, Kansas, Missouri, and Oklahoma, Arvest Bank has local leadership teams in each community, ensuring a tailored banking experience.
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 be lower, their CDs offer much more attractive returns.
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.
Gateway First Bank started in Oklahoma as a direct mortgage lender and has significantly broadened its services over the years.
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 at Gateway First Bank requires a $25 minimum deposit. The bank offers a unique benefit by not charging overdraft fees. Their checking accounts earn interest, while their savings accounts pay even more, and CDs yield the highest returns.
Gateway First Bank also provides additional services that add value, including options for small business banking and wealth management.
First National Bank of Oklahoma provides a community bank experience with a hometown feel. With locations in Oklahoma City, Ponca City, Tonkawa, and Tulsa, it’s a convenient option for residents in those areas.
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.
Oklahoma Fidelity Bank caters to residents in Oklahoma City, Edmond, and Moore, providing a local banking experience with the perks of a more expansive service area.
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 bank offers competitive interest rates, with CDs providing strong returns and money market accounts offering even higher yields
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.
How to Choose the Best Bank in Oklahoma
Choosing the right bank can make a big difference in how you manage your money day to day and over the long haul. Here are some key things to look for:
Location and accessibility – If you prefer in-person banking, check for nearby branches and ATMs.
Online and mobile banking – Look for banks with user-friendly apps and full digital features like mobile check deposit and real-time alerts.
Account types and features – Make sure the bank offers the account types you need, whether it’s high-yield savings, basic checking, or CDs.
Fees – Pay close attention to monthly maintenance fees, overdraft charges, and minimum balance requirements. Look for ways to get them waived.
Interest rates – Compare APYs on savings accounts, CDs, and other products. Even a small difference can add up over time.
Insurance – Confirm FDIC or NCUA insurance to ensure your deposits are protected up to $250,000.
Customer service – Strong support matters. Look for multiple contact options, including phone, online chat, and local branch access.
Extra services – If you need loans, business accounts, or investment help, check what else the bank offers.
Promotions and bonuses – Many banks offer new-customer bonuses. They’re not everything, but they can tip the scale.
Community focus – Some Oklahoma-based banks are active in local projects. If that matters to you, it’s worth factoring in.
Taking all of this into account will help you find the Oklahoma bank that best matches your financial goals and lifestyle.
Types of Banks in Oklahoma
Oklahoma offers a diverse range of banking options to fit the various needs and preferences of its residents. Here’s a quick look at the types of banks you can find in the state:
National banks: These are large banks with branches across the country. They often offer a full suite of financial services, including checking and savings accounts, loans, and investment options. Example: Chase Bank.
Regional banks: These are banks that operate in specific regions of the country. They often offer a balance between the resources of a national bank and the personal service of a community bank. Examples: Arvest Bank and BOK Financial (Bank of Oklahoma).
Community banks: These are smaller, local banks focused on serving the financial needs of a specific community. They often excel in customer service and community involvement. Examples: F&M Bank, First National Bank of Oklahoma, and MidFirst Bank.
Online banks: Online-only banks operate exclusively online and typically offer higher interest rates on savings accounts and lower fees than brick and mortar banks, thanks to reduced operational costs. Examples: SoFi, Upgrade, and Current.
Credit unions: These are not-for-profit organizations that offer banking services. Credit unions typically offer lower fees and higher interest rates on savings accounts, as they are member-owned. Examples: Communication Federal Credit Union, Tinker Federal Credit Union, TTCU Federal Credit Union, and Weokie Federal Credit Union.
Bottom Line
Choosing the right bank is a significant financial decision that can impact your daily life and long-term financial goals. From national powerhouses to local gems, Oklahoma offers numerous financial institutions to suit every need.
Whether you’re looking for the expansive network and sophisticated tech of a national bank or the personalized touch of a community bank, the best banks in Oklahoma have something for everyone. Consider your individual needs, from fees and interest rates to additional perks and customer service, to find the best bank in Oklahoma that fits your financial landscape. Happy banking!
Stephanie Faris is a professional finance writer with more than a decade of experience. Her work has been featured on a variety of top finance sites, including Money Under 30, GoBankingRates, Retirable, Sapling, and Benzinga.
