Personal Checking

Create the banking experience that fits your needs

Everything you need. More than you expect.

Our checking accounts are varied so you can get the most from your account. Select the account that fits you best, then choose the banking services that will be most convenient for you.

All accounts have the following available features:

  • Free Online Banking w/upgraded security features
  • Free Text Message Banking
  • Free eStatements
  • Free Visa Debit Card (Spirit Cards also available)
  • All Accounts Require $50 Minimum to Open
  • Free Mobile Banking, iPhone App and Android App
  • Free Bank by Phone - 24-Hour Access
  • Bill Pay Plus (fees can be waived with eStatements)
  • Free Notary Service
  • All Accounts Qualify for Free Access to All Transfund ATMs
Read more about our Bounce Protection Disclosures.

Find an account that's right for you

eChecking Plus

An interest-bearing account for individuals who prefer to bank electronically.

  • Earns interest on daily collected balance(s)
  • eStatements required ($2.95 monthly fee for paper statements)
  • Bill Pay Plus free with eStatements, inactivity fees apply
  • Bounce Protection Available
  • $6.95 monthly fee (or fee waived)
    No monthly service fee with: Average monthly balance of $2,500 Monthly service fee reduced by $0.20 with: Each debit card transaction of $10.00 or more and each direct deposit made (per statement cycle)

Advantage Plus

Our club account for individuals under the age of 50 that includes exclusive member benefits.

  • Earns interest on daily collected balance(s) with minimum balance of $1,000
  • Free eStatements or paper statements
  • Free Bill Pay Plus, inactivity fees apply
  • Free exclusive member benefits, including Security Advantage
  • Bounce Protection Available
  • $9.95 monthly fee (or fee waived)
    No monthly service fee with: Average monthly balance of $4,000 in the account Or $12,000 average monthly balance in all checking, savings, money market and certificate of deposit accounts with the same primary account owner

Horizons Gold Club

Our club account for individuals age 50 or better that includes exclusive member benefits.

  • Earns interest on daily collected balance(s) with minimum balance of $500
  • Free eStatements or paper statements
  • Free Bill Pay Plus, inactivity fees apply
  • Free exclusive member benefits, including Security Advantage
  • Bounce Protection Available
  • $8.95 monthly fee (or fee waived)
    No monthly service fee with: Average monthly balance of $2,000 in the account Or $10,000 average monthly balance in all checking, savings, money market and certificate of deposit accounts with the same primary account owner

Basic Checking

A checking account with no monthly service fee or transaction fees. Customers may customize features to meet their needs.

  • No monthly service fee
  • No transaction fees
  • No minimum balance requirements
  • Free eStatements or $2.95 for paper statements
  • Bounce Protection Available

Relationship Checking Plus

Our best value checking account rewarding individuals for using multiple services.

  • Interest bearing with premium interest rates
  • Earns interest on daily collected balance(s)
  • Free eStatements or paper statements
  • Bill Pay Plus free with eStatements
  • Free Security Advantage
  • Bounce Protection Available
  • $17.95 monthly fee (or fee waived)
    No monthly service fee with: Average monthly balance of $25,000 in all checking, savings, money market and certificate of deposit accounts with the same primary account owner Or Average monthly balance of $10,000 in checking, savings, money market and certificate of deposit accounts and $50,000 in loans with the same primary account owner

Order Checks

Ordering checks is fast and easy. Click below to order now or you can call customer service if you prefer to speak to us directly.

Help Center

Whether you need to enroll in online banking, have a question about your account, or forgot your password, we are here for you. You can find answers to your frequently answered questions in our help center.

Overdraft Protection

Protection When You Need It. Everyone needs help at times. Cover your account with overdraft protection to ensure your debit card is approved when you need it most.

Main Office - Bixby Corporate 918.366.4000 Mon-Fri, 9am - 4pm Sat-Sun, Closed