Howdy folks welcome to this article about the best banks in Oklahoma! Whether you’re a long-time resident of the Sooner State or just passing through, finding the right bank can be crucial to your financial success. Oklahoma’s banking industry offers a wide range of options, from large national banks to small community banks, each with their own unique advantages and drawbacks.
Now, you might be thinking, “Why does it matter which bank I choose? Aren’t they all the same?” Well, not exactly. Different banks offer different products, services, and fees, which can have a big impact on your financial well-being. Choosing the right bank can mean the difference between earning interest on your savings or paying high fees for basic transactions.
That’s where we come in! The purpose of this article is to provide you with a comprehensive list of the best banks in Oklahoma. We’ve done the research, read the reviews, and talked to locals to bring you the most up-to-date and accurate information. So whether you’re looking for a bank with a strong online presence, a wide network of branches and ATMs, or just excellent customer service, we’ve got you covered.
So sit back, relax, and let us guide you through the world of Oklahoma banking. By the end of this article, you’ll have all the information you need to choose the best bank for your unique needs and preferences. Yeehaw!
Important factors to consider when choosing a bank
Alright, folks, before we dive into the list of the best banks in Oklahoma, let’s talk about some important factors you should consider when choosing a bank. After all, you want to make sure you’re getting the most bang for your buck, right?
- First up, let’s talk about availability. You’ll want to choose a bank that has a convenient location and a wide network of ATMs. This can save you time and money in the long run, as you won’t have to travel far to access your funds. Plus, having multiple ATM options can help you avoid fees for using out-of-network ATMs.
- Next, let’s talk about fees and charges. No one likes paying unnecessary fees, so it’s important to choose a bank that offers low or no fees for basic transactions like ATM withdrawals, check deposits, and account maintenance. Be sure to read the fine print and ask questions about any fees that aren’t immediately clear.
- Interest rates are also an important consideration. If you’re looking to grow your savings, you’ll want to choose a bank that offers competitive interest rates on savings accounts, CDs, and other investment options. This can help your money work harder for you and earn more over time.
- In today’s digital age, online and mobile banking services are becoming increasingly important. You’ll want to choose a bank that offers a user-friendly and reliable online and mobile platform for managing your accounts, making transfers, and paying bills. Bonus points if they offer mobile check deposit and other convenient features.
- Customer service is a crucial factor to consider. You want a bank that is responsive, helpful, and friendly when you need assistance. A bank with excellent customer service can make all the difference when you’re dealing with a complicated issue or have questions about your accounts.
Alright, there you have it, folks. It’s always a good idea to compare and research other options to find the bank that best fits your specific needs and preferences. So keep these factors in mind as you read through our list of the best banks in Oklahoma, and you’ll be sure to find the perfect bank for your needs.
Now, it’s time for the moment you’ve all been waiting for – our list of the top banks in Oklahoma!
First up, we have the Bank of Oklahoma.
Founded in 1910, the Bank of Oklahoma has a long and storied history in the state. With over 100 branches and 300 ATMs across Oklahoma, they have a strong presence in both urban and rural areas.
Bank of Oklahoma offers a wide range of products and services, including personal and business checking and savings accounts, loans, credit cards, and investment options. They also have a robust online and mobile banking platform with features like mobile check deposit and bill pay.
So what are the pros and cons of banking with Bank of Oklahoma? On the plus side, they have a large network of branches and ATMs, competitive interest rates, and a variety of account options to choose from. They also offer great customer service, with friendly and knowledgeable staff available to assist you.
On the downside, some customers have reported high fees for certain services, such as overdrafts and wire transfers. Additionally, their online and mobile banking platform can be a bit clunky and difficult to navigate at times.
It’s important to note that while Bank of Oklahoma has a large network of branches and ATMs in the state, their physical presence may be limited in some rural areas. If you live in a more remote location, it’s worth checking to see if they have a branch or ATM near you before choosing them as your bank.
Another factor to consider is that Bank of Oklahoma’s fees and charges can vary depending on the type of account you have and your usage. Make sure to read the fine print and understand the fees associated with your account to avoid any surprises.
Bank of Oklahoma is a solid choice for those looking for a bank with a long history in the state, a wide network of branches and ATMs, and great customer service. With an average rating of 4 out of 5 stars on various review sites, it’s clear that many Oklahomans trust and appreciate the Bank of Oklahoma’s services. Bank of Oklahoma is a reputable and reliable bank with a strong presence in Oklahoma.
Arvest Bank
Moving on to our next bank on the list – Arvest Bank!
Arvest Bank has a rich history dating back to 1961, when it was founded in Bentonville, Arkansas. Today, they have over 275 branches across Oklahoma, Arkansas, Missouri, and Kansas.
Arvest Bank offers a range of products and services, including personal and business checking and savings accounts, loans, credit cards, and investment options. They also have a user-friendly online and mobile banking platform with features like mobile check deposit and account alerts.
So what are the pros and cons of banking with Arvest Bank? On the plus side, they have a large network of branches and ATMs, competitive interest rates, and a variety of account options to choose from. They also offer excellent customer service, with friendly and helpful staff available to assist you.
Another advantage of banking with Arvest Bank is their commitment to community involvement and charitable giving. They have a program called “We Love to Give” where they donate time and resources to local organizations and causes. This can be a draw for customers who prioritize social responsibility when choosing a bank.
On the downside, some customers have reported long wait times on the phone when trying to reach customer service. Additionally, their fees can be a bit high for certain services, such as overdrafts and foreign transactions.
One potential downside is that Arvest Bank’s branches are mainly located in the Midwest, so customers who frequently travel or relocate may have difficulty accessing their accounts in other parts of the country. However, they do offer nationwide ATM access and online banking services to help mitigate this issue.
Arvest Bank is a great choice for those looking for a bank with a strong regional presence, competitive rates, and a user-friendly online and mobile banking platform. With an average rating of 4.3 out of 5 stars on various review sites, it’s clear that many customers are satisfied with Arvest Bank’s services.
MidFirst Bank!
Founded in 1954, MidFirst Bank has grown to become the largest privately-owned bank in the United States. With over 50 branches across Oklahoma, they have a strong presence in the state’s largest cities.
MidFirst Bank offers a wide range of products and services, including personal and business checking and savings accounts, loans, credit cards, and investment options. They also have a sleek and user-friendly online and mobile banking platform with features like mobile check deposit and account alerts.
So what are the pros and cons of banking with MidFirst Bank? On the plus side, they have a large network of branches and ATMs, competitive interest rates, and a variety of account options to choose from. They also offer great customer service, with knowledgeable and responsive staff available to assist you.
On the downside, some customers have reported long wait times on the phone when trying to reach customer service. Additionally, some of their fees can be a bit high, such as monthly maintenance fees on certain account types.
MidFirst Bank is a fantastic choice for those looking for a bank with a strong presence in Oklahoma’s largest cities, competitive rates, and a modern online and mobile banking platform. With an average rating of 4.2 out of 5 stars on various review sites, it’s clear that many customers appreciate MidFirst Bank’s services.
First United Bank
Next up on our list of the best banks in Oklahoma we have First United Bank!
Founded in 1900, First United Bank has been serving Oklahomans for over a century. With more than 85 locations across Oklahoma, they pride themselves on being a community bank that is committed to providing personalized service to each and every customer.
First United Bank offers a range of products and services, including personal and business checking and savings accounts, loans, mortgages, and investment options. They also have a variety of online and mobile banking features, such as mobile check deposit and bill pay.
So what are the pros and cons of banking with First United Bank? On the plus side, they have a strong commitment to their local communities, excellent customer service, and a variety of account options to choose from. They also offer competitive interest rates on their savings accounts and CDs.
On the downside, some customers have reported long wait times in the branches, and their mobile banking app can sometimes be slow or buggy. Additionally, they may not have as many branch locations as some of the larger banks on our list.
First United Bank is an excellent choice for those looking for a community bank with a long history of serving Oklahomans. With an average rating of 4.3 out of 5 stars on various review sites, it’s clear that many customers appreciate the personalized service and commitment to the community that First United Bank provides.
Other Banks Worth Considering
While our previous sections focused on the top banks in Oklahoma, there are still a few other banks worth considering if you’re still on the hunt for the perfect bank.
Armstrong Bank
First up is Armstrong Bank. With over 20 locations throughout eastern Oklahoma, Armstrong Bank offers a range of products and services, including personal and business accounts, loans, mortgages, and investment options. They also have a mobile banking app that allows you to easily manage your accounts on the go. While they may not be as well-known as some of the larger banks, Armstrong Bank has a strong reputation for excellent customer service and competitive interest rates.
BancFirst
Next on our list is BancFirst, which is the largest state-chartered bank in Oklahoma, with over 100 locations throughout the state. They offer a variety of personal and business accounts, as well as loans, mortgages, and investment options. BancFirst also has a user-friendly mobile banking app that allows you to easily manage your accounts from your smartphone or tablet. While some customers have reported issues with long wait times in the branches, BancFirst has an average rating of 4 out of 5 stars on various review sites, indicating that many customers are satisfied with their banking experience.
First National Bank and Trust Company of Ardmore
Another bank worth considering is First National Bank and Trust Company of Ardmore. Founded in 1896, First National Bank and Trust Company of Ardmore has a long history of serving southern Oklahoma. They offer a variety of personal and business accounts, as well as loans, mortgages, and investment options. While they may not have as many branch locations as some of the larger banks on our list, they make up for it with excellent customer service and a commitment to serving their local community.
Mabrey Bank
Last but not least, we have Mabrey Bank. With over 20 locations throughout eastern Oklahoma, Mabrey Bank offers a range of personal and business accounts, as well as loans, mortgages, and investment options. They also have a user-friendly mobile banking app that allows you to easily manage your accounts from your smartphone or tablet. Mabrey Bank is known for its excellent customer service and competitive interest rates on their savings accounts and CDs.
Unlocking Financial Success: Choosing the Right Bank in Oklahoma
Choosing the right bank can be a daunting task, but hopefully, this article has given you a good starting point. Let’s quickly recap the top banks in Oklahoma that we covered:
- Bank of Oklahoma – Known for their extensive range of products and services, convenient mobile banking app, and excellent customer service.
- Arvest Bank – Offers a variety of personal and business accounts, as well as loans and mortgages, and has an easy-to-use mobile banking app.
- MidFirst Bank – Known for their strong online banking platform, competitive interest rates, and personalized customer service.
- First United Bank – Offers a range of personal and business accounts, loans, and investment options, with a focus on community involvement and excellent customer service.
While these banks may be the best of the best, remember that the right bank for you ultimately depends on your individual needs and preferences. When choosing a bank, consider factors such as location, fees, interest rates, and customer service.
One of the most important things to keep in mind when choosing a bank is to conduct your own research. Take the time to read reviews, compare fees and interest rates, and visit branches to get a feel for the bank’s customer service. By doing your due diligence, you’ll be able to make an informed decision that will set you up for financial success.
Finding the best bank for your needs is an important decision that should not be taken lightly. By considering factors such as branch and ATM availability, fees, interest rates, online banking services, and customer service, you’ll be able to make an informed decision. So go out there and find the bank that’s right for you!
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Frequently Asked Questions
A: Consider your individual banking needs and compare them with the products and services offered by each bank. Research their fees, interest rates, and customer service ratings to make an informed decision.
A: Yes, many banks in Oklahoma offer online account opening services. However, some may require you to visit a physical branch to complete the process.
A: Yes, some banks offer free checking accounts with no monthly maintenance fees. Check with each bank to see if you meet their requirements for free checking.
A: Yes, many banks in Oklahoma offer mobile deposit services through their mobile apps. Check with your bank to see if this service is available to you.
A: Yes, all banks in Oklahoma are FDIC insured up to $250,000 per depositor, per account ownership category.
A: Generally, you will need to provide a valid photo ID, such as a driver’s license or passport, and proof of your address, such as a utility bill or lease agreement.
A: Yes, you can switch banks at any time. Many banks offer switching assistance to make the process easier, such as transferring your automatic payments and direct deposits.
A: It may be more difficult to obtain a loan with bad credit, but some banks in Oklahoma offer loan products specifically for individuals with less-than-perfect credit. Check with each bank for their loan options.
A: Review your bank’s fee schedule and consider switching to a different account type or bank if you are regularly being charged fees. Some banks offer fee waivers for meeting certain requirements, such as maintaining a minimum balance.
A: Yes, you can use your bank account to withdraw money from an ATM or bank branch outside of Oklahoma or even outside of the country. However, some banks may charge additional fees for out-of-network transactions or foreign currency transactions.
