Skip to content
Bank of Texas Powered by BOK Financial Logo

Opportunity Banking

Opportunity Banking

We believe that everyone should have access to safe and affordable banking, with strong financial partners to share in the journey. That’s why our Opportunity Banking account has no overdraft fees1, and offers all the perks of a checking account. And with a low monthly fee of only $5 and low opening deposit, it’s affordable too.

Open Now

Schedule an Appointment

Cashier using tablet credit card reader from BOK taking a payment from customer.

Reach Your Goals - Quickly

Opportunity Banking is a checkless account that provides a free Visa® Debit Card, free Online and Mobile Access with Bill Pay and Mobile Deposit, access to more than 32,000 ATMs nationwide, and so much more.

Simple Guide to Opportunity Banking

Account Features

  • Totally Free Access

    Get a free Visa® Debit Card and unlimited transactions, so you can make purchases in store or online at your convenience. Your debit card also doubles as an ATM card, allowing you to make deposits at any Bank of Texas ATM. And, you get free access to more than 32,000 ATMs nationwide.

    Find an ATM

  • Convenience at Your Fingertips – For Free

    Get 24/7 access to your account in Online and Mobile Access to view transactions, get instant alerts, pay bills, transfer funds or make mobile deposits through our app.

    Learn More

  • Reach Your Savings Goals Faster with QuickSave

    Our Opportunity Banking account comes with access to QuickSave, a tool designed to help you save money faster. If you enroll, every time you use your Visa® Debit Card to make a qualifying purchase, or complete an Online Bill Pay transaction, we'll automatically transfer an amount of your choosing into savings.


Enjoy These Perks with Your Account

Opportunity Banking is an affordable account with no overdraft fees, packed with convenient features designed to help you live your best financial life. How you shop, spend, budget, save, pay bills or send money should be up to you. After all, it’s your money. We’re just here to make it a little easier for you.

  • Deposit checks, set account alerts, transfer funds, pay bills, access your account statements, manage your debit and credit cards, and even your mortgage and personal loans all from our mobile app. Schedule an appointment to speak with a banker, or use our 24-hour automated ExpressBank to manage your account.
  • Send and receive money between friends and family with Zelle®, pay bills securely online or through our mobile app, make external transfers to your account at another bank, and transfer funds between your accounts with us. Use Apple Pay2 and Samsung Pay3 to easily and securely pay in-store, in-app, or online.

    Note: 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.

  • Easily find our banking centers and ATMs near you. You can use Bank of Texas ATMs to deposit checks, transfer funds, check your balances and more. Plus get free access to more than 32,000 additional no-fee ATMs nationwide.
  • With this account, you will never pay an overdraft fee.1 But you can avoid returned payments if your balance is not sufficient to cover an item, because this account allows free overdraft protection transfers4 from your linked savings, money market account or personal line of credit. Visa's Zero Liability6 covers unauthorized charges on your debit card when promptly reported. Use Digital Access to instantly block and unblock your debit card if lost or stolen, and set up account alerts to stay in the know on your account activity.

More about Opportunity Banking

  • Minimum opening deposit of only $25
  • Free Overdraft Protection transfers from your linked funding account into your checking account, should your account balance drop too low4
  • Free Visa® debit card
  • Free online and mobile access with Bill Pay
  • Free access to more than 32,000 ATMs nationwide
  • QuickSaveSM - if enrolled, this rewards program automatically adds money to your Savings account with a bank match
  • Free online statements5
  • ExpressBank 24-hour telephone automated account information
  • $5 monthly service fee
  • If you choose to receive a monthly statement via postal mail, a statement fee of $2 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.

1 Although this account will help you avoid overdrawing your account in most situations, there may be times when your account could have a negative balance. One situation in which this could happen would be if a transaction for a certain amount is approved, but the final charge exceeds the balance in your account, such as when you use your debit card at a restaurant, and add a tip separately. In this example, the total transaction amount would result in you overdrawing your account, but we would not charge you an overdraft fee.

2 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.

3 Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.

4 If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked Bank of Texas savings, money market account or personal line of credit 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.

5 If you choose to receive a monthly statement via postal mail, a statement fee of $2 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.

6 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.

Ready to Get Started?

Safely and securely open an Opportunity Banking account online or by phone at 877-589-1112.

Open Now


Schedule an Appointment

See the Summary of Fees and Definitions and Agreements and Disclosures.

For meeting National Account Standards, Opportunity Banking is certified as a low-cost, low-fee account by Bank On.

Official Bank On Approved seal

Already a Bank of Texas customer?

Use your existing Digital Access username and password to expedite the process and see all your applications in one place.

Blend Labs, Inc. hosts the online application for us.