BOK Financial $500–$1,500 Business Checking Bonus (2026) - Review & Requirements
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- Deposit window: 30 days
- Keep a $100,000 average balance over the roughly 60-day qualification window
- Bonus tiers
- $500 with $5,000 as an average daily balance over 60 days
- $1,000 with $25,000 as an average daily balance over 60 days
- $1,500 with $100,000 as an average daily balance over 60 days
- Availability: CO
- No stated lifetime limit
- ChexSystems sensitivity: Unknown
- Credit pull: soft pull only
- Monthly fee: $0 — Business Advantage carries a $30 monthly fee, waived with a $15,000 average monthly collected balance OR $30,000 in monthly collected balances across personal or business deposit accounts. The $500 Business Access rung has no monthly fee.
- No early-closure rule listed
- Holding period: 60 days
Bonus Tiers & Effective APY
Overview
BOK Financial is currently offering a tiered business checking bonus paying up to $1,500. Each rung has its own requirement: $500 with $5,000 as an average daily balance over 60 days; $1,000 with $25,000 as an average daily balance over 60 days; $1,500 with $100,000 as an average daily balance over 60 days. The account has a $30 monthly fee; review the waiver terms before applying.
Pros
Cons
Notes
Three rungs on one page, all balance-based, and not one of them asks for a direct deposit. To receive $1,500, open a Business Advantage checking account and maintain an average daily balance of $100,000 or more for the next 60 days. To receive $1,000, open a Business Advantage checking account and maintain an average daily balance of $25,000 or more for the next 60 days. To receive $500, open a Business Access checking account and maintain an average daily balance of $5,000 or more for the next 60 days. BOK states the clock in two parts: "The Funding Phase is the first 30 calendar days after account opening" and "The Evaluation Phase immediately follows the Funding Phase and lasts 60 calendar days", so the real commitment is about 90 days from opening rather than 60. The money has to be new to the bank, which the page calls "new money". Open by December 31, 2026 by visiting a banking center, over the phone, or opening an account online. One offer per Business Taxpayer Identification Number (TIN) or Employer Identification Number (EIN). The bonus is reported on IRS form 1099-INT. The amount you are paid depends on which rung you complete: $500 with $5,000 as an average daily balance over 60 days; $1,000 with $25,000 as an average daily balance over 60 days; $1,500 with $100,000 as an average daily balance over 60 days. Keep the account open and in good standing until the bonus posts.
How This Compares to Other Bonuses
BOK Financial's $1,500 offer is closest in headline value to Chase's $1,500 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current BOK Financial checking bonus?
BOK Financial currently advertises up to $1,500, across 3 rungs that each ask for something different: $500 with $5,000 as an average daily balance over 60 days; $1,000 with $25,000 as an average daily balance over 60 days; $1,500 with $100,000 as an average daily balance over 60 days.
Does the BOK Financial bonus require direct deposit?
No qualifying direct deposit is currently listed; complete the alternative activity shown in the official terms. Not every rung is a direct-deposit rung: $500 with $5,000 as an average daily balance over 60 days; $1,000 with $25,000 as an average daily balance over 60 days; $1,500 with $100,000 as an average daily balance over 60 days.
When should the BOK Financial bonus post?
The bank does not provide a dependable posting estimate in our current record, so keep the account open until payment arrives.
Full Requirements
Three rungs on one page, all balance-based, and not one of them asks for a direct deposit. To receive $1,500, open a Business Advantage checking account and maintain an average daily balance of $100,000 or more for the next 60 days. To receive $1,000, open a Business Advantage checking account and maintain an average daily balance of $25,000 or more for the next 60 days. To receive $500, open a Business Access checking account and maintain an average daily balance of $5,000 or more for the next 60 days. BOK states the clock in two parts: "The Funding Phase is the first 30 calendar days after account opening" and "The Evaluation Phase immediately follows the Funding Phase and lasts 60 calendar days", so the real commitment is about 90 days from opening rather than 60. The money has to be new to the bank, which the page calls "new money". Open by December 31, 2026 by visiting a banking center, over the phone, or opening an account online. One offer per Business Taxpayer Identification Number (TIN) or Employer Identification Number (EIN). The bonus is reported on IRS form 1099-INT.
Fees
Business Advantage carries a $30 monthly fee, waived with a $15,000 average monthly collected balance OR $30,000 in monthly collected balances across personal or business deposit accounts. The $500 Business Access rung has no monthly fee.
ChexSystems & Credit Pull
Business application, so an EIN or a sole proprietor's SSN. ChexSystems sensitivity is not stated by the bank and is not guessed at here.
Eligibility
Colorado businesses only, and the bank says so itself: "Offer is only available to businesses based in Colorado". BOK Financial runs this one under its Colorado brand. One offer per TIN or EIN, so a second entity you own can take it again but the same entity cannot.
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Sources (2)
We last checked this against the bank's page on October 6, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.