Best Banks in Oklahoma
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Oklahoma banking options run the gamut from the largest national financial institutions to regional and community banks and credit unions. With nearly half of Oklahoma’s population living in rural areas, local banks play a major role here. GOBankingRates reviews the top options for checking, savings and certificates of deposit (CDs) in this guide to the best banks in Oklahoma.
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GOBankingRates' editorial team is committed to bringing you unbiased bank reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our in-depth bank review methodology.
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TOP OKLAHOMA BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Highlights
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Detailed Reviews of the Best Banks in Oklahoma
Here is GOBankingRates’ selection of top banks in Oklahoma.
Gold Winner: BOK Financial
BOK Financial is a regional financial services company with eight banking divisions, including the Bank of Oklahoma. BOK Financial has a five-star “superior” rating from Bauer Financial.
Best For
Mobile Banking
Low Monthly Fees
Loan Options
Business Banking
Nationwide ATM Access
College Checking Accounts With Perks
It's normal for college bank accounts to have no monthly fees, but BOK Financial takes it a step further with overdraft protection, automatic savings features and free access to more than 32,000 ATMs nationwide. The account comes with a $300 bonus for qualifying college students.
Total Branch Locations
Over 100
Mobile App Rating
4.9 on the Apple App Store and 4.5 on Google Play
Other Products Offered
Checking, savings, money market, CDs, IRAs, accounts for kids, mortgages, auto loans, wealth management, business banking, credit cards
Pros
- No monthly service fees for some accounts
- More than 32,000 fee-free ATMs
- Free overdraft protection transfers
Cons
- Minimum opening deposits for some accounts
- CD APYs are lower than most banks
Why We Like BOK Financial
BOK Financial offers enticing checking account perks for college students, but anyone can benefit from zero monthly fees. The bank also has a vast ATM network, which makes it easier to withdraw cash and avoid extra costs.
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Silver Winner: RCB Bank
With nearly 90 years of community banking experience in Oklahoma, RCB Bank prides itself on active participation in the communities it serves. The bank will fund home purchases and renovations and donate time and money to local schools and organizations.
RCB Bank has expanded its reach beyond its 41 Oklahoma branches with a network of interactive teller machines (ITMs) that let you meet with a banker live, by video, during business hours.
Best For
Digital Banking
Low Monthly Fees
Loan Options
Low Minimum Deposits
Interest-Earning Checking
Traditional Bank With Progressive Products and Services
RCB is a traditional bank that also offers modern solutions, including products for customers with large balances. Its My Advantage Checking account rewards everyday banking activity with a competitive APY.
Total Branch Locations
Over 40
Mobile App Rating
4.6 on the Apple App Store and 4.4 on Google Play
Other Products Offered
Checking and savings accounts, money market, CD, mortgage loans
Pros
- ITM access for customers who can’t or prefer not to travel to a branch
- Opportunity to earn high yields on checking
- Checking accounts with their own perks
- Good rates on savings with a balance of at least $100
Cons
- Some deposit accounts have $100 minimum opening deposit
- Monthly maintenance fees not waivable with some accounts
- No live customer service on weekends
Why We Like RCB Bank
RCB Bank maintains a local focus while offering traditional and progressive products and services that appeal to a wide variety of customers. ITMs expand customer access to banking professionals into areas not served or underserved by branch locations.
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Bronze Winner: Chase
Chase offers Oklahomans the perks of banking with America’s largest bank. Customers can access a wide variety of financial services, the most advanced digital tools and a nationwide network of branches and ATMs.
Chase operates 26 branches in Oklahoma, where you can open a checking or savings account with no minimum deposit.
The Better Business Bureau gives Chase’s Oklahoma City location an A-, and Chase has a four-star “excellent” rating from Bauer Financial.
Best For
Home Loans
National Banking
Credit Cards
Investments
Auto Loans
Over 4,900 Locations Available
Chase Bank offers eight different checking account options with little to no minimum deposits, as well as options for investments, loans and credit cards. It also has nationwide banks, with several locations to assist you.
Total Branch Locations
Over 4,900
Mobile App Rating
4.8 on the Apple Store and 4.5 on Google Play
Other Products Offered
Investments, credit cards, home and auto loans
Pros
- Diverse product offerings
- Extensive branch offerings
- User-friendly digital banking
Cons
- Low interest rate on savings accounts
- Monthly maintenance fees
Why We Like Chase
Chase offers several diverse products, including eight different checking accounts, investment opportunities, loans and credit cards. It also has an extensive network of branches and ATMs across the country.
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Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Research Methodology
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 22, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
How To Choose the Right Bank in Oklahoma
With so many good banks and credit unions in Oklahoma, picking the right one for you can be tough. Here are some things to keep in mind as you explore your options.
- Local vs. national: Local banks like BOKF and RCB Bank focus on community, while national banks like Chase bring expanded selections of financial products and services.
- Digital banking: All three of GOBankingRates’ picks for the best Oklahoma banks have highly rated mobile apps and digital banking. But only RCB Bank has ITM access to live bankers, while Chase’s app gives you access to an extensive selection of services, including investing.
- Branch and ATM access: These top banks give you access to hundreds of fee-free ATMs. Chase has a wide national network, while BOKF and RCB stand out for their large branch presence. RCB also offers ITMs, which can handle many of the same services as a branch.
- Fees and waivers: Each bank offers no-fee account options, along with low-fee accounts that are easy to waive and may include extra perks. Be sure to compare individual accounts to find the best fit for how you manage your money.
Final Take
No one bank is the best choice for every person. Weigh factors like local focus, account benefits, fees and availability of branches and ATMs, then apply to open an account at your top choice of Oklahoma banks.
FAQs About Banking in Oklahoma
Here’s more information to help you find the best Oklahoma bank for your needs.- What is the best bank for high-yield savings in Oklahoma?
- Of the three banks reviewed here, BOKF has the best rates overall, especially on promotional, flex and no-penalty CDs. But RCB Bank has a high-yield checking account with outstanding rates for people who can maintain a $2,500 balance and make the required transactions each month.
- Which banks have the most ATMs in Oklahoma?
- BOK Financial has over 400 ATMs, plus an extensive MoneyPass network. That beats Chase’s 15,000 ATMs nationwide.
- Are there any banks in Oklahoma with no monthly fees?
- GOBankingRates hasn’t identified an Oklahoma bank with no monthly fees on any account. However, each of the banks in this roundup has accounts with no fee or a fee that’s easy to waive by meeting minimum balance or transaction requirements.
More Resources for Banking
Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Daria Uhlig contributed to the reporting for this article.
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