BOK Financial $450–$750 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $8,000 in qualifying direct deposits
- Deposit window: 90 days
- Minimum opening deposit: $50
- Bonus tiers
- $450 with $3,000 in direct deposits
- $750 with $8,000 in direct deposits
- 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.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
BOK Financial is currently offering a tiered checking bonus paying up to $750. Each rung has its own requirement: $450 with $3,000 in direct deposits; $750 with $8,000 in direct deposits. The account has a $25 monthly fee; review the waiver terms before applying.
Pros
Cons
Notes
Enter promo code SUMMIT during application. Receive $8,000+ in direct deposits within 90 days. The amount you are paid depends on which rung you complete: $450 with $3,000 in direct deposits; $750 with $8,000 in direct deposits. Allow approximately 30 days for the bonus to post after qualification.
How This Compares to Other Bonuses
BOK Financial's $750 offer is closest in headline value to Dedham Savings's $750 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 $750, across 2 rungs that each ask for something different: $450 with $3,000 in direct deposits; $750 with $8,000 in direct deposits.
Does the BOK Financial bonus require direct deposit?
Yes. The catalog currently records $8,000 in qualifying direct deposits within 90 days. Confirm the bank's exact definition before applying.
When should the BOK Financial bonus post?
The tracked estimate is about 30 days after you satisfy the requirements.
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.
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Sources (2)
We last checked this against the bank's page on October 6, 2026.
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What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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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.