Bounty
Worth it?

BOK Financial Access Checking bonus: is $300 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$298: more than leaving it at 4.15%
With the bonus608.33%
Leave it where it is4.15%

Yearly rate on $200 while it's there, bonus included.

The math

Compared with leaving $200 at 4.15%

Bonus
+$300
Interest while it's there
No interest assumed
$0
What it'd earn at home
$200 at 4.15% for 3 mo
−$2
Extra
+$298
Works out to 608.3% a year on that cash, vs 4.15% at home.

Deposit $200 in new money within 90 days · Make 10 debit card purchases within 90 days · Proof of acceptance/enrollment. Terms checked Oct 9, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $200 in new money within 90 days
  2. 2Make 10 debit card purchases within 90 days
  3. 3Proof of acceptance/enrollment
Ends
Dec 31, 2026
Where
8 states: OK, AR, AZ, CO, KS, NM, TX, MO
Monthly fee
None
Cash stays
About 90 days
Bonus paid
Usually within 30 days of finishing
Terms checked Oct 9, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the BOK Financial Access Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $200 tier adds +$298: the $300 bonus, minus the $2 that cash would have earned in 90 days. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $200 in new money within 90 days; make 10 debit card purchases within 90 days; proof of acceptance/enrollment. Open to residents of OK, AR, AZ, CO, KS, NM, TX, MO.

When does it end?

The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.