BOKF

Welcome to Your New Digital Banking Experience

CoBiz personal banking clients, this page is designed to guide your transition to the BOK Financial system.

Some features and functionality have changed but this guide will help make your transition as smooth as possible.

Here's a sneak peak of digital banking.

Important Service Changes

There were some changes to previous services and features. Click the service name below for details.

Need to talk to someone? Contact ExpressBank at (844)-517-3308

Getting Started

You can log in to Online Banking at onlinebanking.bokfinancial.com.
To access Mobile Banking, you will need to download the new Mobile Banking app for iOS or Android.

Important Things To Keep In Mind

  • If your current username doesn't meet our security requirements, we will automatically update it to your email address when we move it to the new system. If this affects you, we will notify you separately. You can change your username at any time by logging into Online Banking or the Mobile Banking app.
  • You will be prompted to validate your phone number and successfully retrieve and enter a verification code the first time you log in to the new system.
  • You will need to accept the Digital Banking Terms & Conditions the first time you log in.
  • We'll use your phone numbers to help keep your account secure, so be sure to keep your contact information up to date.
  • Secure Messages - We did not move any secure messages from the old system to the new system.

If you have trouble logging in after the transition, try these tips:

Personal Users: Click on the "Need Help Logging In?" link and select "Forgot my password." You will need an active ATM or Debit Card to use this feature. If you don't have one, call ExpressBank at (844) 517-3308 to have your password reset.

Personal Users: Follow the "Unlock Account" prompt and enter the information requested to unlock your account and reset your password. You will need an active ATM or Debit Card to use this feature. If you don't have one, call ExpressBank for assistance at (844) 517-3308.

FAQs

Filter the FAQs by topic using the menu.
Need to talk to someone? Contact ExpressBank at (844) 517-3308.

All FAQs

You'll have access to 12 months of account transaction history at the time of system conversion. However our system is configured to display up to 18 months of history. As time passes, your transaction history will start to accumulate.
Deposit item images (teller and mobile deposit) and cleared check images will be available within your transaction history.
You will be able to view checking, savings and money market accounts, as well as CDs, mortgage, and loan accounts you have with BOK Financial.
You will not be able to view any safe deposit box accounts, HSAs, or credit card accounts in Online and Mobile Banking.
If you are currently enrolled in online statements, you will remain enrolled and you will not receive paper statements.

If you are not currently enrolled in online statements, you can still access your statements online, but you will also receive a paper copy. To stop receiving a paper copy, you must turn off paper delivery. After the system conversion, you can manage your preferences by choosing Statements and Tax Forms from the Actions & Tools menu in Online Banking.
Yes, you will be able to access your loan statements in Online and Mobile Banking.
You can access up to 7 years of online statements.
You must log in to Online or Mobile Banking to access your online statements.

If you are enrolled in online statements, you will receive an email and push notification to let you know when your statements are available online.
We make year-end tax forms (1099s and 1098s) available in Online & Mobile Banking.
Transfers that comply with the system's transfer rules will continue to be processed as scheduled.

Additionally, any transfers you have scheduled that comply with the transfer rules will be moved to the new system. Please see the next FAQ for more details about the types of transfers that are permitted within Online and Mobile Banking.
You can conduct the following funds transfers among your BOK Financial accounts:

• Checking to Checking
• Checking to Savings
• Savings to Checking
• Savings to Savings
• Checking to Personal Installment Loan
• Checking to Personal Line of Credit
• Personal Line of Credit to Checking or Savings
Yes. You'll be able to schedule recurring transfers in Online Banking and the Mobile Banking app.
Initially, your account-to-account transfers will be viewable from your transaction history, and 18 months of bank-to-bank transfers will be available on the Transfer History screen in Online and Mobile Banking.

As you conduct transfers after the system conversion, all transfer activity will be viewable on the Transfer History screen in Online and Mobile Banking.
The cut off time is 10 p.m. Central for same-day credit on transfers. Funds transferred after 10 p.m. Central, or on weekends and holidays, will be processed on the next business day.
Bill Pay will be placed into Read-Only Mode at 2pm CT on March 22, 2019.
Yes. You will need to accept the Bill Pay Terms & Conditions when you access Bill Pay for the first time in the new system.
The delivery method for bill payments could change for some payees. You can see the payment method for each of your payees on the Manage Payees screen in Online and Mobile Banking.
Initially, you'll be able to access 18 months of Bill Pay history. The new system supports up to 24 months of Bill Pay history, so you'll begin accumulating additional history after the system conversion.
The cut off time is 8 p.m. For important information regarding the rules and cut off times for canceling and editing payments, please see the next FAQ.
• 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 and 8 p.m. CT can be canceled or edited prior to 8 p.m. CT
• Payments submitted after 8 p.m. CT or on weekends or holidays can be canceled prior to 3 p.m. CT of the following business day
Checking accounts and money market accounts are eligible to use Bill Pay. Savings accounts are not eligible.
$25,000 per payment and $150,000 daily payment limit
After the system conversion, for your account security, we will automatically send alerts for the following events:
Payee added
Payee edited
Payment failed
Payment returned

Plus, you will be able to configure an alert to be notified every time an electronic Bill Payment is sent from your account.

These alerts will be sent via email. If you use the Mobile Banking app, you will also receive a push notification.
No, the RDM app will be unavailable after the system conversion. Mobile Deposits can be submitted via the BOK Financial Mobile Banking app. Download the app beginning March 25, 2019.
Initially, you will be able to access 12 months of mobile deposit history (check images) within your account transaction history. As you accumulate more history, you will be able to view up to 18 months.
Yes, you will need to accept the Terms & Conditions when accessing mobile deposit for the first time after the system conversion.
The cut off time is 10 p.m. Central for same day credit on mobile deposits.
Your mobile deposit limit will be displayed within the Mobile Banking app.
If your deposit was accepted prior to 10 pm CT on a business day, your funds will generally be available to you the next business day.

Deposits made after 10 pm CT, or on weekends or holidays, will generally be processed the following business day with funds available the day following processing.

All deposit items are subject to review.
No. Text banking will be discontinued effective Friday, March 22, 2019.
Account email notifications will be sent to the primary email address you have on file with us.
Yes, you will need to configure your alerts in Online or Mobile Banking.
No, we do not offer fraud text alerts at this time. We do have a number of account alerts that can be set up to be delivered via email or push notification to help you monitor activity on your account.
No, RediVerify will be discontinued on March 22, 2019. You will be able to block or unblock your debit card within Online Banking or the BOK Financial Mobile Banking app.
The following alerts will be discontinued after the system conversion:
Daily or Weekly Transfer Summary
Receiving Incoming ACH Credits
Insufficient Funds
Maturing Loans
Maturing CD
Transfers Failed - NSF
Transfers Expired
Transfers Failed - Restricted
Transfers Deleted - Closed Account
Bill Pay Changed to Electronic
Bill Pay Changed to Check
Bill Pay Expiring Payments
Expiring Transfers

Here's a list of all supported alerts:
Deposit Alerts
Deposit A deposit alert will be sent when a branch, ATM or mobile deposit exceeds the amount you set.
Direct Deposit A Direct Deposit alert will be sent when a direct deposit is posted to your account.
Incoming Wire Transfer An alert will be sent when a wire transfer is credited to your account.
Debit Card Return An alert will be sent when funds from a return of goods or services are re-posted back to your account.
Withdrawal Alerts
ATM Withdrawal An ATM Withdrawal alert will be sent when an ATM withdrawal exceeds a dollar amount you set.
Bill Payment A Bill Payment alert is sent when an electronic bill payment has posted to your account.
Check Posted Check Posted alerts are sent when a check posts to your account that exceeds the dollar amount you set.
Check Number A Check Number alert will be sent when a check posted to your account matches a check number you specified.
Debit Card Debit Card alerts are sent when a transaction has posted to your account that exceeds the dollar amount you set.
Online or Mobile Transfer You'll receive an Online or Mobile Transfer alert (withdrawal only) when an online banking transfer occurs and exceeds the dollar amount you set.
Electronic Deduction (ACH) Electronic Deduction (ACH) alerts are sent when an electronic draft is deducted from your account that exceeds the dollar amount you set.
Outgoing Wire Transfer An Outgoing Wire Transfer alert will be sent when funds are wired out of your account.
Account Status Alerts
Low Balance A Low Balance alert will be sent when your account balance falls below a dollar amount you set.
Daily Balance A Daily Balance alert will be delivered advising you of the balance on your account.
High Balance A High Balance alert will be sent when your account balance meets or exceeds a dollar amount you set.
You can manage your alerts in the Alert Center in Online Banking and the Mobile Banking app. Alerts can be sent via email or push notification to your mobile device.
No, any secure messages in the current system will not move to the new system.
We support the following file types:
.QFX for Quicken
.QBO for QuickBooks, .CSV for Excel Spreadsheet

If you use one of these products, you will need to take action both before and after the system conversion to ensure a smooth transition for your data. For detailed information, please visit this page.

Prior to March 25, please contact CoBiz Client Services at (877) 409-5704. After March 25, contact BOK Financial ExpressBank at (844) 517-3308.

Accounts & Transaction History

You'll have access to 12 months of account transaction history at the time of system conversion. However our system is configured to display up to 18 months of history. As time passes, your transaction history will start to accumulate.
Deposit item images (teller and mobile deposit) and cleared check images will be available within your transaction history.
You will be able to view checking, savings and money market accounts, as well as CDs, mortgage, and loan accounts you have with BOK Financial.
You will not be able to view any safe deposit box accounts, HSAs, or credit card accounts in Online and Mobile Banking.

Online Statements

If you are currently enrolled in online statements, you will remain enrolled and you will not receive paper statements.

If you are not currently enrolled in online statements, you can still access your statements online, but you will also receive a paper copy. To stop receiving a paper copy, you must turn off paper delivery. You can manage your preferences by choosing Statements and Tax Forms from the Actions & Tools menu in Online Banking.
Yes, you will be able to view your loan statements in Online and Mobile Banking.
You can access up to 7 years of online statements.
You must log in to Online or Mobile Banking to access your online statements.

If you are enrolled in online statements, you will receive an email and push notification to let you know when your statements are available online.
We make year-end tax forms (1099s and 1098s) available in Online & Mobile Banking.

Transfers

Transfers that comply with the system's transfer rules will continue to be processed as scheduled.

Additionally, any transfers you have scheduled that comply with the transfer rules will be moved to the new system. Please see the next FAQ for more details about the types of transfers that are permitted within Online and Mobile Banking.
You can conduct the following funds transfers among your BOK Financial accounts:

• Checking to Checking
• Checking to Savings
• Savings to Checking
• Savings to Savings
• Checking to Personal Installment Loan
• Checking to Personal Line of Credit
• Personal Line of Credit to Checking or Savings
Yes. You'll be able to schedule recurring transfers in Online Banking and the Mobile Banking app.
Initially, your account-to-account transfers will be viewable from your transaction history, and 18 months of bank-to-bank transfers will be available on the Transfer History screen in Online and Mobile Banking.

As you conduct transfers after the system conversion, all transfer activity will be viewable on the Transfer History screen in Online and Mobile Banking.
The cut off time is 10 p.m. Central for same-day credit on transfers. Funds transferred after 10 p.m. Central, or on weekends and holidays, will be processed on the next business day.

Online Bill Pay

Bill Pay will go into Read-Only Mode at 2pm CT on March 22, 2019.
Yes. You will need to accept the Bill Pay Terms & Conditions when you access Bill Pay for the first time in the new system.
The delivery method for bill payments could change for some payees. You can see the payment method for each of your payees on the Manage Payees screen in Online and Mobile Banking.
Initially, you'll be able to access 18 months of Bill Pay history. The new system supports up to 24 months of Bill Pay history, so you'll begin accumulating additional history after the system conversion.
The cut off time is 8 p.m. Central. For important information regarding the rules and cut off times for canceling and editing payments, please see the next FAQ.
• 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 and 8 p.m. CT can be canceled or edited prior to 8 p.m. CT
• Payments submitted after 8 p.m. CT or on weekends or holidays can be canceled prior to 3 p.m. CT of the following business day
Checking accounts and money market accounts are eligible to use Bill Pay. Savings accounts are not eligible.
$25,000 per payment and $150,000 daily payment limit
After the system conversion, for your account security, we will automatically send alerts for the following events:
Payee added
Payee edited
Payment failed
Payment returned

Plus, you will be able to configure an alert to be notified every time an electronic Bill Payment is sent from your account.

These alerts will be sent via email. If you use the Mobile Banking app, you will also receive a push notification.

Mobile Deposit

No, the RDM app will be unavailable after the system conversion. Mobile Deposits can be submitted via the BOK Financial Mobile Banking app. Download the app beginning March 25, 2019.
Initially, you will be able to access 12 months of mobile deposit history (check images) within your account transaction history. As you accumulate more history, you will be able to view up to 18 months.
Yes, you will need to accept the Terms & Conditions when accessing mobile deposit for the first time after the system conversion.
The cut off time is 10 p.m. Central for same day credit on mobile deposits.
Your mobile deposit limit will be displayed within the Mobile Banking app.
If your deposit was accepted prior to 10 pm CT on a business day, your funds will generally be available to you the next business day.

Deposits made after 10 pm CT, or on weekends or holidays, will generally be processed the following business day with funds available the day following processing.

All deposit items are subject to review.

Alerts & Text Banking

No. Text banking will be discontinued effective Friday, March 22, 2019.
Account email notifications will be sent to the primary email address you have on file with us.
Yes, you will need to configure your alerts in Online or Mobile Banking.
No, we do not offer fraud text alerts at this time. We do have a number of account alerts that can be set up to be delivered via email or push notification to help you monitor activity on your account.
No, RediVerify will be discontinued on March 22, 2019. You will be able to block or unblock your debit card within Online Banking or the BOK Financial Mobile Banking app.
The following alerts will be discontinued after the system conversion:
Daily or Weekly Transfer Summary
Receiving Incoming ACH Credits
Insufficient Funds
Maturing Loans
Maturing CD
Transfers Failed - NSF
Transfers Expired
Transfers Failed - Restricted
Transfers Deleted - Closed Account
Bill Pay Changed to Electronic
Bill Pay Changed to Check
Bill Pay Expiring Payments
Expiring Transfers

Here's a list of all supported alerts:
Deposit Alerts
Deposit A deposit alert will be sent when a branch, ATM or mobile deposit exceeds the amount you set.
Direct Deposit A Direct Deposit alert will be sent when a direct deposit is posted to your account.
Incoming Wire Transfer An alert will be sent when a wire transfer is credited to your account.
Debit Card Return An alert will be sent when funds from a return of goods or services are re-posted back to your account.
Withdrawal Alerts
ATM Withdrawal An ATM Withdrawal alert will be sent when an ATM withdrawal exceeds a dollar amount you set.
Bill Payment A Bill Payment alert is sent when an electronic bill payment has posted to your account.
Check Posted Check Posted alerts are sent when a check posts to your account that exceeds the dollar amount you set.
Check Number A Check Number alert will be sent when a check posted to your account matches a check number you specified.
Debit Card Debit Card alerts are sent when a transaction has posted to your account that exceeds the dollar amount you set.
Online or Mobile Transfer You'll receive an Online or Mobile Transfer alert (withdrawal only) when an online banking transfer occurs and exceeds the dollar amount you set.
Electronic Deduction (ACH) Electronic Deduction (ACH) alerts are sent when an electronic draft is deducted from your account that exceeds the dollar amount you set.
Outgoing Wire Transfer An Outgoing Wire Transfer alert will be sent when funds are wired out of your account.
Account Status Alerts
Low Balance A Low Balance alert will be sent when your account balance falls below a dollar amount you set.
Daily Balance A Daily Balance alert will be delivered advising you of the balance on your account.
High Balance A High Balance alert will be sent when your account balance meets or exceeds a dollar amount you set.
You can manage your alerts in the Alert Center in Online Banking and the Mobile Banking app. Alerts can be sent via email or push notification to your mobile device.
No, any secure messages in the current system will not move to the new system.
AAfter the system conversion, for your account security, we will automatically send alerts for the following events:
Payee added
Payee edited
Payment failed
Payment returned

Plus, you will be able to configure an alert to be notified every time an electronic Bill Payment is sent from your account.

These alerts will be sent via email. If you use the Mobile Banking app, you will also receive a push notification.

Intuit Product Users

We support the following file types:
.QFX for Quicken
.QBO for QuickBooks
.CSV for Excel Spreadsheet
If you use one of these products, you will need to take action both before and after the system conversion to ensure a smooth transition for your data. For detailed information, please visit this page.

Troubleshooting

Having trouble with something? Try these tips. If you still need help, contact ExpressBank at (844) 517-3308.

Personal Users: Click on the "Need Help Logging In?" link and select "Forgot my password." You will need an active ATM or Debit Card to use this feature. If you don't have one, call ExpressBank at (844) 517-3308 to have your password reset.

Personal Users: Follow the "Unlock Account" prompt and enter the information requested to unlock your account and reset your password. You will need an active ATM or Debit Card to use this feature. If you don't have one, call ExpressBank at (844) 517-3308 to unlock your account and have your password reset.
These types of changes can be made by opening the Welcome menu at the top of Online Banking, as shown below.

Check out the Help with Page menu within Online Banking (shown below). This menu offers helpful tips for the current page.



If you get stuck, you can also send us a Secure Message using the My Messages link at the top of the page.

Troubleshooting for Quicken for Windows

Are you seeing duplicate transactions in Quicken for Windows after completing reactivation process? The instructions below will help correct this issue.

There is a preference available in Quicken for Windows - "Automatically add downloaded transactions to register. If this preference is enabled, you will need to delete the duplicate transactions in the register.

Have the duplicate transactions been accepted to the register?

No: They can be deleted one-by-one prior to accepting.

Yes: The can be deleted one-by-one OR multiple transactions can be deleted at one time.

To delete transactions, follow these instructions. (Click "Delete a transaction" link.)