For Personal Accounts, you will need the following:

• Access to the Online Access website or Mobile Access App
• BOK Financial account number
• Debit/ATM card number and PIN
• Social security number
• Email address to enroll using our Online Enrollment process

If you do not have this information, you will need to visit one of our convenient locations to enroll in person.

For Personal Accounts: You can enroll for Online and Mobile Access via the Mobile Access app with the above information. Once you have downloaded the app from the iTunes App Store or from the Google Play Store, open the app and select Enroll at the bottom and follow the prompts. You will be asked to set up your security questions during enrollment.

You may also enroll using the website. From the homepage, select the Personal tab at the top of the page and then select Online & Mobile Access.  Next, select the Enroll Today button and simply follow the prompts to complete enrollment.  

For Business Accounts: You will need to complete and sign the Business Online Access enrollment form located at Business Online Access. You can bring your completed enrollment form to any of our convenient locations to enroll in person or you can mail or fax it to us. If you choose to mail or fax your enrollment form, we will process your request within two business days of receiving your completed form and send you an email with instructions for logging on. Once you have enrolled, logged in and set up your security questions and answers, you will be able to use Online and Mobile Access.

NOTE: You will need a username and password to access your accounts online and in mobile. A username and password are created during the enrollment process.

You can access your personal checking and savings, money market accounts, installment loans, home equity loans and lines of credit, mortgage loans, personal lines of credit, certificates of deposit (CDs), and IRAs.

Mobile Access provides a safe and convenient way to do your banking while on the go. You can check account balances, view transactions, transfer funds, find ATM and Banking Center locations and more. You can even pay bills online if you sign up for Online Bill Pay.

Mobile Access is a free service, however, please check with your phone carrier regarding applicable charges and fees that may apply from use of their service.

You can use the “Need Help Logging In?” link on the Mobile Access login page to retrieve your username and/or reset your password. If you are unable to successfully retrieve your username or password using the link you can visit one of our banking centers or call ExpressBank at 844-517-3308.

You may access up to 18 months of transaction history. Mobile Access will display your most recent transactions by default.

Pending transactions include credits and debits that have not yet posted to your account history. This may include items such as debit card purchases, cashed checks, and other holds applied to your available balance. A purchase made with your debit card will debit your account at the time of the transaction and the funds are placed on temporary hold for up to three business days (for most transactions) or until the items clears. If we do not receive the completed transaction from the merchant within that time frame the pending debit is released. Once we receive the completed transaction from the merchant the debit will post to your account history.

In some cases the amount of the pending transaction may not match the actual amount of the transaction. This is because some merchants request us to authorize a general amount such as $1 or the amount that they estimate you will spend, which could be higher or lower than the actual amount of the transaction. When the transaction posts, your account is charged the amount of the transaction presented by the merchant. Some debit card transactions may not show as pending transactions and may not affect your available balance until they post.

Yes. Just go to your list of accounts and tap on an account. When the account activity is displayed, just look for that item and click the link. Images are generally posted by 11 a.m. (CT) for all checks that cleared the previous business day.

Yes. You can view images of checks that were deposited at a banking center or via Mobile Deposit. Just go to your list of accounts and select the desired account. When the account activity is displayed, look for the deposit in question and click on the link. Images are available when deposits post to your account transaction history.

For future-dated transfers initiated within Online Access or Mobile Access, they can be cancelled by clicking on Pending Transfers, selecting the item and deleting the transfer.

The cutoff time for transferring funds is 10 p.m. (CT). Funds transferred after 10 p.m.(CT) or on weekends and holidays will be processed on the next business day.

Once you enroll in Online Bill Pay, you will be able to do the following in Mobile Access:

• Add payees.
• Schedule one-time, future dated, or recurring payments.
• Confirm, edit or delete payee information.
• Review upcoming scheduled payments and edit or cancel them if needed.

You must have a checking account to enroll and already be enrolled for Online and Mobile Access.

From within the Mobile Access app, select Bill Pay from the menu and then review and accept the Terms and Conditions.

From within Online Access, select Enroll in Bill Pay from the Actions and Tools menu. Once you review and accept the Terms and Conditions, you will be enrolled and ready to go.

If you have a small business account, simply follow the same steps as above to complete Bill Pay enrollment.

If you submit your payment request prior to 8  p.m. (CT) on a business day (Monday-Friday, excluding holidays), the payment will be sent the following business day. If your payment request is made on a non-business day, the payment will be processed on the next business day and sent the following business day. When scheduling a future dated or recurring payment, if the Process Date falls on a non-business day, the payment will be processed on the next business day and sent the following business day. We recommend that all Process Dates you select be at least seven business days before the actual payment due date, not the late date and/or grace period. Funds will be withdrawn from your account according to the Terms and Conditions. See the FAQ below.

Payments made electronically: We charge your transaction account on the selected Process Date and remit funds to the designated payee on your behalf. The payment is estimated to arrive in two business days or before.

Payments made via Paper Check: We process a paper check containing your transaction account routing number and transaction account number to the designated payee on your behalf. The funds will remain in your transaction account until the check has cleared. The payment is estimated to arrive in five business days or before.

Once in Mobile Access, select the Bill Pay tab and then select Manage Payees. You will then select the “+” symbol in the top right corner to add a new payee.

In Mobile Access, if you select the Pay To tab from the Make a Payment screen it will tell you the estimated delivery days. A payment with an estimated delivery of two days if sent electronically and four days if sent by mail.

In general your payment date should be at least seven business days from the date you set up a payment. However, the number of days required to make a payment can vary by payee based on the method your payee can receive payments.

Pending payments are payments you have scheduled through Online Bill Pay, which have not yet been processed and sent to the payee.

Yes. The windows for editing and canceling payments is as follows:

• Payments submitted on business days before 3 p.m. CT can be canceled or edited prior to 3 p.m. (CT).
• Payments submitted on business days between 3 p.m. and 8 p.m. CT can be canceled or edited prior to 8 p.m. (CT).
• Payments submitted after 8 p.m. or on weekends or holidays can be canceled prior to 3 p.m.(CT) of the following business day.

The payment will no longer appear on the Pending Payments screen. Instead, next time you log on to Online Access, the payment will appear in your Payment History having a status of Cancelled.

In order to protect you and your financial information, you may be asked security questions from time to time. These questions provide an additional layer of security to help ensure your information is kept safe.

If you are presented a security question and do not remember the answer, you can use the "Need Help" link within the Mobile Access app to reset your security questions. If you are unable to reset your security questions using the “Need Help” link you will need to contact ExpressBank for assistance, 844-517-3308 during business hours.

You provide one of Online Access's most important safety features by protecting your online password making sure no one can see the password as you log in to Online Access or Mobile Access and selecting log off when finished.

• Touch ID and Fingerprint login for Android is the ability for the iPhone, iPad or Android sensors to read your fingerprint and unlock your phone or Mobile Access app.
• Face ID is the ability for the iPhone camera to capture an image of your face and unlock your iPhone or Mobile Access app.

Touch ID:

• iPhone 5s and newer
• iPad Air 2 and newer
• iPad mini 3 and newer
• iPad Pro

Face ID:

• iPhone X, iOS 10

Android Fingerprint Login:

• Fingerprint compatible devices running OS 5.0 & greater

First, you need to set up Touch ID, Face ID or Fingerprint Login under the device settings on your iPhone, iPad or Android device. Once you have enabled your preferred login, navigate to the BOK Financial Mobile Access App and the app will automatically prompt you to set it up.

First, you need to set up Touch ID or Fingerprint Login under the device settings on your iPhone, iPad or Android device. Once you have enabled Touch ID, navigate to the BOK Financial Mobile Access App and the app will automatically prompt you to set it up.

You can still it set-up as follows:

Touch ID or Face ID: go to Account Preferences on the main menu of the app.

• To find the Touch ID settings go to Account Preferences > Login Settings / Touch ID.
• To find the Face ID settings, go to Account Preferences > Login Settings / Face ID > Face ID.

Android Fingerprint Login: go to Account Preferences on the main menu of the app

• To find the Fingerprint Login settings go to Account Preferences > Login Settings / Fingerprint Login

Touch ID or FIngerprint Login: Your fingerprint is one of the safest passwords in the world because it is always with you, and no two are exactly alike. When you use Touch ID it creates a mathematical representation of your fingerprint. This fingerprint data is encrypted and securely stored in the iPhone's secure enclave. This hardened section of your phone provides extra protection against anyone who might try to obtain unauthorized access to your data. Any data protected by Touch ID can only be decrypted when a matching fingerprint has been used to unlock your device. Using Touch ID is just as safe, if not safer, than using a user name and password to login.

Face ID: The technology that enables Face ID is some of the most advanced hardware and software Apple has created. The camera captures accurate face data by projecting an analyzing over 30,000 invisible dots to create a depth map of your face and also captures an infrared image of your face. This face data is encrypted and securely stored in your device's Secure Enclave. This hardened section of your device provides extra protection against anyone who might try to obtain unauthorized access to your data. As an additional protection, Face ID allows only five unsuccessful match attempts before a passcode is required.

Touch ID: To turn it off in the Mobile Access app, go to Account Preferences > Login Settings/Touch ID from the main menu of the Mobile Access app.

Face ID: Turn off Face ID for the Mobile Access App by logging into the app and selecting Account Preferences > Login Settings/Face ID > Face ID and turn the setting to off.

Android Fingerprint Login: Turn off Fingerprint Login for the Mobile Access App by logging into the app and selecting Account Preferences > Login Settings/Fingerprint Login > Fingerprint Login and turn the setting to off.

You will need to enable Touch ID within the BOK Financial Mobile Access app. Here’s how:

Touch ID or Face ID: go to Account Preferences on the main menu of the app.

• To find the Touch ID settings go to Account Preferences > Login Settings / Touch ID.
• To find the Face ID settings, go to Account Preferences > Login Settings/Face ID > Face ID.

Android Fingerprint Login : go to Account Preferences on the main menu of the app.

• To find the Fingerprint Login settings go to Account Preferences > Login Settings/Fingerprint Login.