BOK Financial $450–$750 Checking Account Bonus (2026) - Review & Requirements
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
- Direct deposit: $8,000 in qualifying direct deposits
- Deposit window: 90 days
- Minimum opening deposit: $50
- Enter promo code SUMMIT when you apply
- Availability: CO
- No stated lifetime limit
- ChexSystems sensitivity: Unknown
- Credit pull: soft pull only
- Monthly fee: $25/mo — Premier Checking: "For each statement cycle that one of the following requirements of average daily balances are met, you'll avoid the $25 monthly service fee". The $450 Access Checking rung instead has no monthly service fee when you sign up for online statements, and charges $3 a month if you take paper ones.
- No early-closure rule listed
- Bonus posts: ~30 days
What Counts as Direct Deposit
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
Premier Checking pays $750 and asks you to "Deposit at least $8,000 in aggregate direct deposits within the first 90 days". Access Checking pays $450 and asks you to "Deposit at least $3,000 in aggregate qualifying direct deposits within the first 90 days". Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Report what worked for you. A free account is all it takes. Reports are attached to the offer, never to your name.
Overview
BOK Financial's Colorado personal offer pays $750 on Premier Checking for $8,000 of direct deposits inside 90 days, or $450 on Access Checking for $3,000. The page headlines $950, but $200 of that belongs to a separate savings account with its own $10,000 requirement.
Pros
Cons
Notes
Use promo code SUMMIT, which the terms make mandatory. Decide first which checking account you want, because Premier and Access are alternatives rather than rungs you climb: you open one. If your paycheck clears $8,000 across 90 days, Premier is worth $300 more. Watch the Premier monthly fee, which is $25 unless you meet an average daily balance test, while Access is free with online statements and charges $3 a month for paper. If you also want the $200 savings leg, that money is separate: $10,000 of new funds inside 30 days, held at or above $10,000 until day 90.
How This Compares to Other Bonuses
The honest comparison is against other direct-deposit offers in the $700 range, not against the $950 headline. Measured on the checking account alone this is a $750 offer for $8,000 of deposits, and the savings leg that lifts it to $950 is a capital commitment rather than a deposit requirement.
Frequently Asked Questions
Is the BOK Financial bonus $950 or $750?
The checking account alone pays $750. The page headlines $950 because a separate personal savings account on the same promo code adds $200 for $10,000 of new funds.
Do I need the promo code?
Yes. The offer runs on promo code SUMMIT.
How much direct deposit does the $750 need?
At least $8,000 in aggregate direct deposits within the first 90 days. The bank states a dollar total and never a deposit count.
What is the difference between Premier and Access Checking?
They are alternatives. Premier pays $750 on $8,000 of deposits, Access pays $450 on $3,000. You open one or the other.
Am I eligible if I closed a BOK checking account last year?
Only if the closure was more than 180 days ago. The bank defines a new customer as someone not on any existing checking account who has not closed one in the past 180 days.
Full Requirements
Use promo code SUMMIT. There are two checking rungs and you pick one account rather than climbing a ladder. Premier Checking pays $750 and asks you to "Deposit at least $8,000 in aggregate direct deposits within the first 90 days". Access Checking pays $450 and asks you to "Deposit at least $3,000 in aggregate qualifying direct deposits within the first 90 days". Minimum opening deposit of $50. The bank states the payout clock as "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." THE PAGE HEADLINES $950, NOT $750, and the difference is a second product: a Personal Savings account opened on the same promo code pays a further $200 for depositing "at least $10,000 in new funds" within 30 days and keeping "the account balance ... at or above $10,000 until day 90". That savings leg is described here rather than folded into this checking headline, so $750 is what this account alone pays and $950 is what the pair pays.
Fees
Premier Checking: "For each statement cycle that one of the following requirements of average daily balances are met, you'll avoid the $25 monthly service fee". The $450 Access Checking rung instead has no monthly service fee when you sign up for online statements, and charges $3 a month if you take paper ones.
ChexSystems & Credit Pull
ChexSystems sensitivity is not stated by the bank and is not guessed at here.
Eligibility
Colorado only, from the bank's own words: "Customer's primary physical address on the account must be in Colorado". Open to new customers only, and BOK defines the term: "A new customer is defined as an individual who is not listed as a primary or secondary accountholder on any existing checking account and has not closed a checking account within the past 180 days". That 180 days is where the six-month cooldown comes from.
Apply
Open Account →Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Sources (2)
We last checked this against the bank's page on September 4, 2026.
More BOK Financial offers we track
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
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.