[CO only] BOK Financial $950 Checking/Savings Bonus

Extended to December 31, 2026

Offer at a glance

• Maximum bonus amount: $950
• Availability: Customer’s primary address on the account must be in Colorado
• Direct deposit required: Yes, $8,000+ for full bonus 
• Additional requirements:
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: None 
• Monthly fees: $0-$25, avoidable
• Early account termination fee: Unknown 
• Household limit: None listed
• Expiration date: February 28, 2026

The Offer

Direct link to offer

• BOK Financial is offering a bonus of up to $950
  • Checking bonuses
    • $450 access checking bonus, deposit at least $3,000 in aggregate direct deposits within the first 90 days of account opening. 
    • $750 Premier Checking account, Deposit at least $8,000 in aggregate direct deposits within the first 90 days of account opening
  • $200 savings bonus, open a savings account and:
    • Within 30 days of opening your account, deposit at least $10,000 in new funds not currently held at the bank.
    • Beginning on day 31 after account opening, the account balance must stay at or above $10,000 until day 90.

The Fine Print

• Offer available to new customers only. A new customer is defined as an individual who is not listed as a primary or secondary accountholder on any existing checking account or Personal Savings account and has not closed a checking account or Personal Savings account within the past 180 days. Customer’s primary address on the account must be in Colorado. Limit one bonus per customer. 
• Ninety days after account opening, the account will be evaluated, and if all qualifications are met, the bonus will be credited within the following 30 days. New accounts are subject to approval. To receive the bonus, the qualifying account must be open and in good standing at the time of payout. The bonus is considered interest and will be reported on IRS Form 1099-INT. This offer expires on February 28, 2026. However, BOKF reserves the right to change or discontinue the offer at any time and without notice prior to its expiration.
• To qualify for the $750 bonus:
  • Open a Premier Checking account.
  • Deposit at least $8,000 in aggregate direct deposits within the first 90 days of account opening. Person-to-person payments (such as Zelle) and bank-to-bank transfers do not count as direct deposits.

  Premier Checking earns an Annual Percentage Yield (APY) of 0.02%. The APY is effective as of |$currentdateshort| and may change after the account is opened. Minimum opening deposit of $50. Fees may reduce earnings.

  To qualify for the $450 bonus:

  • Open an Access Checking account.
  • Deposit at least $3,000 in aggregate direct deposits within the first 90 days of account opening. Person-to-person payments (such as Zelle) and bank-to-bank transfers do not count as direct deposits.

  To qualify for the $200 bonus:

  • Open a Personal Savings account.
  • Within 30 days of opening your account, deposit at least $10,000 in new funds not currently held at the bank.
  • Beginning on day 31 after account opening, the account balance must stay at or above $10,000 until day 90.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Premier checking $750 bonus 

Premier checking has a $25 monthly fee. For each statement cycle that one of the following requirements of average daily balances are met, you’ll avoid the $25 monthly service fee:

• $25,000 or more in linked bank deposit accounts (checking, savings, CDs, FDIC-insured IRAs)
• or $50,000 or more in any combination of qualifying linked banking, brokerage (available through BOK Financial Advisors – excluding 529s and managed trusts) and 10% credit balances (mortgage, HELOC, PLOC, auto loan & personal loan – excludes small business loans). Accounts are not automatically linked. Please notify your banker which accounts should be linked.

Access checking $450 bonus

This account has no monthly fees with eStatements

Early Account Termination Fee

Wasn’t able to find a fee schedule so unsure if there is any EATF.

Our Verdict

$450 bonus significantly easier to keep fee free, but might be worth just paying the monthly fee on the Premier account for the extra $300 assuming there is no EATF. We will add this to our best checking bonus page. 

Hat tip to reader Frank

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times