Bank of Texas - Powered by BOK Financial
FDIC

FDIC-Insured—Backed by the full faith and credit of the U.S. Government

Up to $800. Come and take it.

We may be new in town, but we're not new to what we do. We're showing up with real people, real offers and real benefits - like up to $800 just for opening a personal checking account1.

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San Antonio Personal Checking

Earn up to $800 when you open a personal checking account.

Visit our Alamo Heights banking center, call ExpressBank or open your account online using the offer code ‘SANANT’ by December 31, 2025, to earn your bonus.

  • Earn $400: Open an Access Checking account and receive $1,500 in ACH deposits within the first 90 days
  • Earn $800: Open a Premier Checking account, receive $1,500 in ACH deposits, and maintain a monthly average balance of $10,000 or more during the first 90 days

If the requirements are met after 90 days, your bonus will be credited within the following 30 days.

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Compare checking accounts

Access Checking
Premier Checking
Snapshot

A convenient full-service account with no monthly service fee2 when you choose to receive online statements.

Exclusive account designed to reward you for your entire banking relationship with us

Monthly Service Fee
$0
$25
Statement Fee
$3 or $0
$0
Payment solutions

Online & Mobile Access
Bill Pay
Zelle®
Apple Pay, GooglePay™
and Samsung Pay3

Online & Mobile Access
Bill Pay
Zelle®
Apple Pay, GooglePay™
and Samsung Pay3

Earns interest4
Free Overdraft Protection Transfers5
ATM fee refund for out of network ATMs
Rate discount on personal loans with auto debit6
0.25%
Up to 0.35%
Interest rate bonuses

0.05% bonus on linked Premier Money Market7

0.10% bonus on linked CD or IRA8

Mortgage loan discount

$500 off mortgage closing costs9

Complimentary financial review with a BOK Financial Advisor10

Enjoy these perks with your account

  • Bank on the go

    Manage your finances from our mobile app—deposit checks, transfer funds, pay bills access statements, and manage cards, loans, and mortgages.

  • Pay your way

    Use Apple Pay, Google Pay and Samsung Pay3 for secure payments in-store, in-app or online. Send and receive money with Zelle®11 and pay bills with ease.

  • Access anytime, anywhere

    Visit our banking centers and ATMs statewide. Use our ATMs to deposit checks, transfer funds, and more—with access to more than 32,000 additional no-fee ATMs nationwide.

  • Feel secure

    Enjoy free overdraft protection transfers5, Visa’s Zero Liability12 for unauthorized debit card charges, instant card lock or unlock, and customizable account alerts.

  • Save effortlessly

    QuickSave helps you grow your savings automatically with every transaction with your debit card or Online Bill Pay. We’ll even match up to $250 per year.

  • Avoid overdrafts

    Enroll in free Overdraft Protection to enable automatic transfers from linked accounts if your balance gets too low5. Learn More

Get started

Open online now or visit us in Alamo Heights.

Disclosures

  1. Offer is available to new customers only. New customer is defined as individuals not listed as a primary or secondary accountholder on an existing checking account or checking account that has closed within the last 180 days. One bonus per customer. The offer will vary by product type: Access Checking accounts for $400, and Premier Checking $800.
      To receive the bonus:
    1. Open a new account either by visiting a banking center, calling our ExpressBank or opening online using the notice code "SANANT".
    2. Have an aggregate of at least $1,500 in ACH deposits within the first 90 days of account opening. Person-to-person payments such as Zelle OR bank-to-bank transfers are not considered an ACH deposit; and
    3. For Premier Checking accounts, the monthly average balance must be $10,000 or higher.

    Ninety (90) days after account opening, accounts will be evaluated and, if qualifications are met, will receive the credit within the following 30 days. New accounts are subject to approval. To receive the bonus, the qualifying account must be open and in good standing at the time of payout. The bonus is considered interest and will be reported on IRS form 1099-INT. Offer ends on 12/31/2025. Offer may change or discontinue at any time before this date without notice. Offer only available in the greater San Antonio metropolitan area, defined as the San Antonio – New Braunfels MSA

  2. If you choose to receive a monthly statement via postal mail, a statement fee of $3 will be assessed each month. To avoid this fee, you can turn off paper statements by logging in to Online or Mobile Access, selecting "online only", and accepting the Online Statements Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement.
  3. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. GooglePay™ is a registered trademark of Google, LLC. Other company and product names mentioned may be trademarks of their respective owners.
  4. Interest begins to accrue no later than the business day that the Bank receives credit for the deposit of non-cash items, such as checks. Unless stated otherwise, we use the daily balance method to calculate interest on your account. The interest rate and Annual Percentage Yield (APY) are administered by the Bank and may change daily at the discretion of the Bank, unless stated otherwise. Account fees may reduce earnings. Please ask for a current rate sheet for interest rate information. For additional information, read the Summary of Fees and Definitions and the Agreements and Disclosures.
  5. If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked savings, money market account or personal line of credit with us into your checking account at the end of any business day on which your Available Balance is less than zero. Limited to one linked savings or money market account or personal line of credit as a source of funding. Accounts are not automatically linked. Please notify your banker which account should be linked. To the extent the funds in your designated funding account are insufficient to cover all overdrafts in your checking account, an Overdraft Fee may be charged for each overdraft not covered by the transfer, under the terms of the Depository Agreement for Transaction Accounts. See Summary of Fees and Definitions for pricing.
  6. Loan discount of 0.25% is available with Student Checking, Access Checking, Select Checking, Premier Checking and Opportunity Banking. An additional 0.10% discount is also available for Premier Checking, resulting in total possible discounts of up to 0.35%. Loan discounts do not apply to all loan products and are applicable for new loans only. Discount applies to the Interest Rate at the time of application. Loan payment must be automatically debited from an applicable checking account with us. Some restrictions apply. All loan offers subject to credit approval.
  7. Bonus interest rate is not automatically applied and must be requested. Accounts are not automatically linked. Please notify your banker which accounts should be linked. If the Premier Checking or Select Checking account is closed for any reason, or the link with another account terminated for any reason, the bonus interest rate on the linked account will be discontinued and the interest rate provided by the terms of the agreement(s) governing the savings account, CD, or select FDIC insured IRA will become applicable.
  8. Accounts are not automatically linked. Please notify your banker which accounts should be linked. If the Premier Checking account is closed for any reason, or the link with another account terminated for any reason, the bonus interest rate on the linked account will be discontinued and the interest rate provided by the terms of the agreement(s) governing the savings account, CD, or select FDIC insured IRA will become applicable.
  9. Subject to closing of a residential purchase money or refinance mortgage loan with us. Discount will be provided in the form of a lender credit.
  10. Securities, insurance and advisory services offered through BOK Financial Securities, Inc., member FINRA/SIPC and a subsidiary of BOK Financial Corporation. Services may be offered under our trade name, BOK Financial Advisors. NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE
  11. Keep your money safe! Only send money to those you know with Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Think of Zelle® like cash: once you send a payment it cannot be canceled if the recipient is already enrolled. A U.S. checking or savings account required to use Zelle®. Safety Reminder: Bank of Texas will never ask for your personal information regarding your money. A U.S. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
  12. Visa's Zero Liability Policy does not apply to ATM transactions or to PIN Transactions not processed by Visa. U.S. issued cards only. See terms and conditions for Visa Debit Card.

Bank of Texas® is a trademark of BOKF, NA. Member FDIC. Equal Housing Lender . © 2025 BOKF, NA.
Zelle® and the Zelle ® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.