Personal Checking Accounts

Which one is right for you?

Choose from one of six checking accounts desiged to fit your needs.

Call (918) 712-9292 or (405) 726-9200





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Compare Checking Accounts

eChecking


Open and fund our eChecking account right from your desktop and only online!

  • No monthly service charge
  • No minimum balance
  • $100 Opening Deposit
  • Free Internet banking*
  • Free Bill Pay with a minimum of 2 transactions per month or $5.95*
  • Free Visa Check/Debit Card**
  • Limit of 5 checks per month with a fee of $.25 for every check over five
  • Requires eStatements
*Internet Service Provider fees may apply
**Overdraft and returned item fees may apply

Call (918) 712-9292 or (405) 726-9200

Open an Account Online Today!
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Bank Club


Our best value in personal checking. Provides club benefits for a low monthly fee.

  • $100 Opening Deposit
  • $10,000 Accidental Death Insurance per account*
  • Free Cashier's Checks
  • Free Internet banking**
  • Free Bank Club checks
  • No minimum balance
  • Unlimited check writing
  • Check imaging
  • $10 monthly service charge
  • Visa Check/Debit Card available for $15/year
  • Payment card protection
  • Key ring protection
  • Home inventory log
  • Destination Savings™
  • Coast to coast vision plan
  • Car rental discounts
  • Hotel savings network
  • Bonus travel

*NOT DEPOSITS/NOT FDIC INSURED/NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY AND NOT BANK GUARANTEED
**Internet Service Provider fees may apply

Call (918) 712-9292 or (405) 726-9200

Contact a SpiritBanker
Find Your Closest Branch

“Free & Free-er” Checking


Just when you thought Free couldn't get any better.

  • $100 Opening Deposit
  • No monthly service charge
  • No minimum balance
  • Unlimited check writing
  • FREE Internet Banking*
  • FREE Bill Pay*
  • FREE Visa Check/Debit Card**
  • Requires Electronic Statements
*Internet Service Provider fees may apply
**Overdraft and returned item fees may apply

Call (918) 712-9292 or (405) 726-9200

Contact a SpiritBanker
Find Your Closest Branch

Golden Age Checking


Are you 50 years old or better? This one’s for you!

  • $100 Opening Deposit
  • No monthly service charge
  • No minimum balance
  • Unlimited check writing
  • Free Internet banking*
  • Free Bill Pay*
  • Free Visa Check/Debit Card**
*Internet Service Provider fees may apply
**Overdraft and returned item fees may apply

Call (918) 712-9292 or (405) 726-9200

Contact a SpiritBanker
Find Your Closest Branch
Join our travel club, SpiritClass!

Personal Checking


Access the same great services AND receive check images with your statement.

  • $100 Opening Deposit
  • Unlimited check writing
  • Free Internet banking*
  • Visa Check/Debit Card available for $15/year
  • Monthly fee based upon monthly minimum balance
    • Balance $800 or above... no charge
    • $500 - $799... $4
    • $300 - $499... $6
    • Zero - $299... $8
*Internet Service Provider fees may apply

Call (918) 712-9292 or (405) 726-9200

Contact a SpiritBanker
Find Your Closest Branch

NOW Account


Earn interest while still writing checks.

  • $1,500 minimum balance
  • Interest is paid at rate adjusted by bank on average collected balance
  • No fee unless balance falls below minimum balance any time during the month, in which case a $7 charge and no interest paid
  • Free Internet Banking*
  • Unlimited check writing
  • Electronic or Paper Statements available
  • Visa Check/Debit Card available for $15/year
*Internet Service Provider fees may apply
Fees may reduce earnings.

Call (918) 712-9292 or (405) 726-9200

Contact a SpiritBanker
Find Your Closest Branch

Five Star Checking


Basic services. No monthly service charges. With your choice of paper or electronic statements.

  • $100 Opening Deposit
  • No monthly service charge
  • No minimum balance
  • Free Internet Banking*
  • Unlimited check writing
  • Electronic or Paper Statements available
  • Visa Check/Debit Card available for $15/year
*Internet Service Provider fees may apply

Call (918) 712-9292 or (405) 726-9200

Contact a SpiritBanker
Find Your Closest Branch

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