Bank of Oklahoma in Real Life: Where It Is, When It’s Open, and What It Actually Costs

You see the logo on downtown towers and suburban corners, but the practical question is simpler: when you need to open a checking account, make a cash drop after closing time, or land a branch job that fits your schedule, what does Bank of Oklahoma look like on the ground in this state? The footprint is broad but not uniform, and the details change what your day looks like. This guide sticks to the specifics that matter at the counter and on the clock.

Which Oklahoma towns actually have a Bank of Oklahoma branch?

Coverage is thick in the two metros and extends into college and regional trade hubs. In Oklahoma City, for example, the banking center at 13600 N. MacArthur Blvd. posts lobby hours Monday–Friday 9 a.m.–5 p.m. with a Saturday 9 a.m.–12 p.m. drive-thru and lobby, plus a 24-hour ATM. Several other OKC sites keep weekday 9–5 hours too, including 499 W. Sheridan Ave. downtown, which does not open on Saturdays.

Tulsa has a dense branch network, including a downtown location at 320 S. Boston Ave. with lobby hours Monday–Friday 9 a.m.–5 p.m. and a 24-hour ATM on-site. South and east Tulsa locations commonly run Saturday hours as well. For instance, 11111 E. 81st St. lists lobby and drive-thru Saturday 9 a.m.–12 p.m. alongside weekday 9–5 service.

Outside the metros, you still have brick-and-mortar options. In Stillwater, the branch at 229 S. Knoblock St. keeps lobby hours Monday–Friday 9 a.m.–5 p.m. and Saturday 9 a.m.–1 p.m. with a 24-hour ATM. Enid’s banking center at 2308 N. Van Buren St. posts Saturday 9 a.m.–12 p.m. in addition to weekday 9–5 lobby and drive-thru hours. Norman’s branch at 3550 W. Main St. also opens Saturday 9 a.m.–12 p.m. plus weekday 9–5. Mortgage-only offices show up in some markets too; in Lawton, the mortgage center at 1011 SW C Ave., Suite 3 operates Tuesday–Friday 8 a.m.–5 p.m.

If you need to talk to someone off-hours, the bank’s automated phone channel, branded as ExpressBank, is reachable 24 hours a day at a published toll-free number. Many branches also note instant‑issue debit card capability, safe deposit boxes, night drop, and the option to schedule an appointment so you’re not waiting in line to open accounts or close on CDs.

Headquarters-wise, the brand’s name is on the skyline. Corporate operations sit in the Bank of Oklahoma Tower at One Williams Center, Tulsa, OK 74172, which tells you who signs the paychecks and sets policy even when you’re standing in a suburban drive-thru in Yukon.

What do Bank of Oklahoma’s checking accounts cost in Oklahoma?

The consumer lineup is tiered. The entry-level workhorse is Access Checking. It carries no monthly service fee when you enroll in online statements, with a $50 minimum opening deposit. If you opt for paper, a $3 monthly statement fee applies. ATM use inside the network is free. Use a non‑Bank of Oklahoma ATM and the bank’s posted fee is $2 per transaction, with any surcharge from the machine owner added on top.

One reason the footprint feels bigger than the branch count is the ATM arrangement. The bank advertises more than 450 no‑fee ATMs statewide. In practice that means you can treat all Tulsa‑area QuikTrip and Kum & Go ATMs, and all Oklahoma City‑area 7‑Eleven and OnCue ATMs, as in‑network for withdrawals. That’s a real quality‑of‑life difference if your commute runs past convenience stores more often than bank lobbies.

Step up to Select Checking and you’re paying for perks. The sticker is a $15 monthly fee, waived two ways: either maintain $10,000 in average combined balances across eligible personal accounts, or carry a Bank of Oklahoma mortgage set to auto‑debit from the account. Select throws in one ATM fee rebate per statement cycle when you use a non‑network machine, plus relationship pricing on certain savings products. The opening deposit is also $50.

Premier Checking targets households bundling more activity. The monthly service fee is $25, and it is waived if you keep at least $25,000 in linked bank deposits, or $50,000 in combined qualifying banking, brokerage, and a portion of selected loan balances. Premier also advertises unlimited ATM surcharge rebates at non‑network ATMs, and throws in waived fees on some common services like domestic wire transfers. Opening deposit remains $50.

There is also a guardrail product for people who do not want to worry about overdrafts. Opportunity Banking is a checkless account with a $5 monthly fee, a $25 opening deposit, and no overdraft fees. It still connects to the same statewide ATM access described above and is built to meet Bank On national account standards.

Two everyday mechanics matter across accounts. First, the posted overdraft fee is $32.50 per item for accounts where overdraft is allowed, and certain tiers include an annual courtesy refund if you ask. Second, the bank’s deposit timing is generous by regional standards. Approved mobile deposits get same‑day credit up to 10 p.m. on weekdays. Cash made with a teller or at a Bank of Oklahoma ATM credits the same business day. Check deposits are usually available the next business day, though the bank can place a hold based on the item and will disclose the hold period.

Small‑business specifics you can plan around

For a storefront that handles a steady cash drawer, the business checking details matter more than the lobby furniture. Business Advantage Checking posts a $30 monthly service fee, which you can avoid by maintaining a $15,000 average monthly collected balance in the account or a $30,000 average collected balance in combined eligible business and personal deposit accounts. The account allows unlimited monthly transactions and includes free incoming domestic and international wires, a three‑month grace period on the fee for new accounts, and free online and paper statements.

Cash deposit pricing is straightforward. Business Advantage includes up to $15,000 in in‑branch cash deposits per statement cycle at no charge, then charges $3 per additional $1,000. If your register counts spike on weekends, it helps that many branches, including locations in OKC, Tulsa, Stillwater, and Norman, maintain Saturday lobby or drive‑thru availability in the morning hours. Where there is no Saturday lobby, you can still use night drop at many sites, and the 24‑hour ATMs will accept deposits.

If you run receivables from the office, the bank’s remote capture product for smaller firms, branded locally as Small Business Office Deposit, sets the deposit cutoff at 10 p.m. So a check you scan at 9:45 p.m. on a Tuesday gets that day’s credit rather than rolling into Wednesday, which affects collected‑balance calculations and fee waivers.

For staffing and payroll, know the rhythm you’re scheduling to. In OKC, branches like 13600 N. MacArthur Blvd. publicly staff six days a week with Saturday 9 a.m.–12 p.m. hours, while the downtown office at 499 W. Sheridan Ave. operates Monday–Friday 9 a.m.–5 p.m. with no Saturday hours. In Tulsa, locations such as 11111 E. 81st St. list Saturday 9 a.m.–12 p.m., and the downtown branch at 320 S. Boston Ave. runs weekdays only. Those differences translate into when your team can drop cash, when a runner needs to hit night drop, and what kind of weekend coverage you need from staff who can get to a live window.

Tulsa or OKC: which side of the turnpike is easier for ATM access?

Both metro areas are saturated with Bank of Oklahoma‑friendly ATMs, but the way you find them is different. In the Tulsa area, your debit card will work with no fee at QuikTrip and Kum & Go ATMs. In Oklahoma City, the same “in‑network” treatment applies at 7‑Eleven and OnCue ATMs. Either way you are tapping into the 450‑plus statewide footprint, and the card also works at Bank of Oklahoma ATMs for cash and deposits.

If you hold Premier Checking, the rules get even easier because the account offers unlimited ATM surcharge rebates when you use non‑network machines. Select Checking refunds one ATM fee per statement cycle. Everyone else pays the bank’s posted $2 non‑network ATM fee on top of any surcharge that the outside owner lists on the screen. This is where the convenience‑store partnerships earn their keep: if your routes run past 7‑Eleven in Mustang or QuikTrip in Broken Arrow, you can generally skip those extra screens and fees.

Does the brand on the tower change how your day runs?

On the consumer side, yes, in small but real ways. Same‑day mobile deposit credit until 10 p.m. on weekdays gives you a longer runway to get money in before the calendar flips. The $32.50 per‑item overdraft fee, plus a once‑per‑year courtesy refund on some tiers, explains why a lot of Oklahomans anchor their checking to fee‑free options and keep a simple overdraft link to savings or a credit line set to auto‑transfer at $0.

For small employers, the cash‑handling thresholds and 10 p.m. cutoff on remote deposits are the leverage points that minimize fees. The published $15,000 free cash‑deposit allowance per statement cycle goes further in a service business than it does in a convenience retail concept, and once you cross it you are paying $3 per $1,000 in additional cash brought in. That means counting the drawer before you load the bag can literally change your month‑end bill. Pair these rules with the fact that many branches keep Saturday windows for a morning drop, and you can build a habit that matches the bank’s real schedule.

If you are reading this as a job seeker, the hours tell you what kind of rotation you are signing up for. Sites with Saturday 9 a.m.–12 p.m. windows spell weekend shifts, while mortgage‑only storefronts like the Lawton office keep a Tuesday–Friday 8 a.m.–5 p.m. pattern that may appeal if you want a five‑day week with no Saturday work. The phone channel’s 24‑hour automation fills gaps for customers but does not replace the need for tellers and relationship bankers at the busy branches that open on weekends.

Key things to know before you choose

• Hours vary by location. Expect Monday–Friday 9 a.m.–5 p.m. at most branches, with many sites in OKC, Tulsa, Stillwater, and Norman also open Saturday morning. Downtown locations often run weekdays only.
• ATM reach is statewide. Treat QuikTrip and Kum & Go ATMs around Tulsa, and 7‑Eleven and OnCue ATMs around OKC, as in‑network. The bank lists 450+ no‑fee ATMs across Oklahoma.
• Access Checking is fee‑free with online statements. Budget $3 per month if you insist on paper. Non‑network ATM use adds the bank’s $2 fee plus any surcharge by the machine owner.
• Select Checking waives its $15 fee with either $10,000 in combined balances or a mortgage auto‑debit. Premier waives $25 with $25,000 in deposits or $50,000 in combined eligible balances, and it rebates all outside ATM surcharges.
• Small business: the $30 Business Advantage fee is avoidable with $15,000 average collected or $30,000 combined balances. Cash deposits are free up to $15,000 per statement cycle, then $3 per $1,000.
• Deposit timing helps. Approved mobile deposits credit the same day until 10 p.m. (weekdays). Teller and Bank of Oklahoma ATM cash deposits credit the same business day; checks are generally next business day.

Reader Q&A

Does Bank of Oklahoma have Saturday hours?

Yes, many sites do. Examples include 13600 N. MacArthur Blvd. (OKC) and 11111 E. 81st St. (Tulsa), which both list Saturday 9 a.m.–12 p.m. in addition to weekday 9–5 service. Some downtown locations, like 320 S. Boston Ave. (Tulsa) and 499 W. Sheridan Ave. (OKC), operate weekdays only.

How many ATMs can I use for free in Oklahoma?

The bank states 450+ in‑network ATMs statewide. In the Tulsa area, that includes QuikTrip and Kum & Go machines; in the OKC area, it includes 7‑Eleven and OnCue. Premier Checking rebates any outside surcharge; Select refunds one per cycle.

What time do deposits count for same‑day credit?

Approved mobile deposits post with same‑day credit up to 10 p.m. on weekdays. Cash deposits at a teller or Bank of Oklahoma ATM credit the same business day. Checks usually release the next business day, with holds disclosed if applied.

How can a small business avoid the $30 Business Advantage fee?

Keep a $15,000 average monthly collected balance in the account, or $30,000 in combined eligible balances across linked accounts. Also plan cash drops: the first $15,000 in cash per statement cycle is free; after that, it’s $3 per $1,000.

Here’s the clean way to narrow your choice: map your typical week to the real hours and cutoffs. If you need weekend windows and heavy ATM coverage, pick a branch with Saturday service along your route and an account tier whose ATM rules match your travel. If you manage cash, watch the $15,000 free cash‑deposit ceiling and the 10 p.m. remote‑deposit cutoff, because those two numbers do more to control your fees than any slogan on a billboard.

Published: September 25, 2026 · Reviewed by the Oklahoma editorial team