1. Personal Savings
All listed offers are available only to new customers whose primary physical address on the account is in the Albuquerque or Santa Fe MSA. Limit one bonus per customer. Not available to BOK Financial employees. New customers are individuals who are not currently listed as a primary or secondary accountholder on the applicable account type with BOKF, NA, and have not closed the same account type with BOKF, NA within the past 180 days. Note that BOKF, NA does business in Oklahoma, Texas, New Mexico, Colorado, Arizona, Kansas, Missouri and Arkansas. Bank of Oklahoma®, Bank of Texas, Bank of Albuquerque® and BOK Financial® are trademarks of BOKF, NA.

If BOKF, NA determines that you have engaged in abuse, misuse, or gaming in connection with this offer in any way, or that you intend to do so, BOKF, NA may withhold or recover the bonus and also disqualify you from participating in future promotional offers.

To qualify for the $200 bonus:

• Open a Personal Savings account using promo code NM2026. The promo code is required to participate in this promotion. Accounts opened without an eligible promo code will not qualify for the cash bonus.
• Within 30 days of opening your account, deposit at least $10,000 in new funds not currently held at the bank.
• Beginning on day 31 after account opening, the account balance must stay at or above $10,000 until day 90.

Ninety days after account opening, the account will be evaluated, and if all qualifications are met, the bonus will be credited within the following 30 days. New accounts are subject to approval. To receive the bonus, the qualifying account must be open and in good standing at the time of payout. The bonus is considered interest and will be reported on IRS Form 1099-INT. This offer expires on May 31, 2027. However, BOKF reserves the right to change or discontinue the offer at any time and without notice prior to its expiration.

Personal Savings earns an Annual Percentage Yield (APY) of 0.10%. The APY is effective as of 08/21/2026 and may change after the account is opened. Minimum opening deposit of $50. Fees may reduce earnings.

Access Checking
All listed offers are available only to new customers whose primary physical address on the account is in the Albuquerque or Santa Fe MSA. Limit one bonus per customer. Not available to BOK Financial employees. New customers are individuals who are not currently listed as a primary or secondary accountholder on the applicable account type with BOKF, NA, and have not closed the same account type with BOKF, NA within the past 180 days. Note that BOKF, NA does business in Oklahoma, Texas, New Mexico, Colorado, Arizona, Kansas, Missouri and Arkansas. Bank of Oklahoma®, Bank of Texas, Bank of Albuquerque® and BOK Financial® are trademarks of BOKF, NA.

If BOKF, NA determines that you have engaged in abuse, misuse, or gaming in connection with this offer in any way, or that you intend to do so, BOKF, NA may withhold or recover the bonus and also disqualify you from participating in future promotional offers.

To qualify for the $350 bonus:

• Open an Access Checking account using promo code NM2026. The promo code is required to participate in this promotion. Accounts opened without an eligible promo code will not qualify for the cash bonus.
• Deposit at least $3,000 in aggregate direct deposits within the first 90 days of account opening. A qualifying direct deposit is a recurring electronic deposit of a paycheck, pension, Social Security, or other regular income made by an employer, payroll provider, or government agency. Transfers between accounts, person-to-person transfers (including Zelle), bank-to-bank transfers, wire transfers, and deposits made through a branch, ATM, mobile deposit are not qualifying direct deposits. Deposits from nonpayroll or non-regular income sources do not qualify.

Ninety days after account opening, the account will be evaluated, and if all qualifications are met, the bonus will be credited within the following 30 days. New accounts are subject to approval. To receive the bonus, the qualifying account must be open and in good standing at the time of payout. The bonus is considered interest and will be reported on IRS Form 1099-INT. This offer expires on May 31, 2027. However, BOKF reserves the right to change or discontinue the offer at any time and without notice prior to its expiration.

Premier Checking
All listed offers are available only to new customers whose primary physical address on the account is in the Albuquerque or Santa Fe MSA. Limit one bonus per customer. Not available to BOK Financial employees. New customers are individuals who are not currently listed as a primary or secondary accountholder on the applicable account type with BOKF, NA, and have not closed the same account type with BOKF, NA within the past 180 days. Note that BOKF, NA does business in Oklahoma, Texas, New Mexico, Colorado, Arizona, Kansas, Missouri and Arkansas. Bank of Oklahoma®, Bank of Texas, Bank of Albuquerque® and BOK Financial® are trademarks of BOKF, NA.

If BOKF, NA determines that you have engaged in abuse, misuse, or gaming in connection with this offer in any way, or that you intend to do so, BOKF, NA may withhold or recover the bonus and also disqualify you from participating in future promotional offers.

To qualify for the $550 bonus:

• Open a Premier Checking account using promo code NM2026. The promo code is required to participate in this promotion. Accounts opened without an eligible promo code will not qualify for the cash bonus.
• Deposit at least $8,000 in aggregate direct deposits within the first 90 days of account opening. A qualifying direct deposit is a recurring electronic deposit of a paycheck, pension, Social Security, or other regular income made by an employer, payroll provider, or government agency. Transfers between accounts, person-to-person transfers (including Zelle), bank-to-bank transfers, wire transfers, and deposits made through a branch, ATM, mobile deposit are not qualifying direct deposits. Deposits from nonpayroll or non-regular income sources do not qualify.

Ninety days after account opening, the account will be evaluated, and if all qualifications are met, the bonus will be credited within the following 30 days. New accounts are subject to approval. To receive the bonus, the qualifying account must be open and in good standing at the time of payout. The bonus is considered interest and will be reported on IRS Form 1099-INT. This offer expires on May 31, 2027. However, BOKF reserves the right to change or discontinue the offer at any time and without notice prior to its expiration.

Premier Checking earns an Annual Percentage Yield (APY) of 0.02%. The APY is effective as of 08/21/2026 and may change after the account is opened. Minimum opening deposit of $50. Fees may reduce earnings.

2. Personal loan discounts: All loans are subject to credit approval. To qualify for a Premier relationship discount, you are required to maintain a Premier Checking account.

Mortgage closing costs: Subject to closing of a residential purchase money or refinance mortgage loan with BOK Financial. Discount will be provided in the form of a lender credit.

3. For each statement cycle that one of the following requirements of average daily balances are met, you’ll avoid the $25 monthly service fee: $25,000 or more in linked bank deposit accounts (checking, savings, CDs, FDIC- insured IRAs) or $50,000 or more in any combination of qualifying linked banking, brokerage (available through BOK Financial Advisors – excluding 529s and managed trusts) and 10% credit balances (mortgage, HELOC, PLOC, auto loan & personal loan – excludes small business loans). Accounts are not automatically linked. Please notify your banker which accounts should be linked. We will waive the monthly service fee for the first two statement cycles after opening the Premier Checking account to allow you to meet the requirements and avoid the monthly service fee. If you refinance your linked mortgage account with another lender, we will un-link your original mortgage from your Premier Checking account, and it will no longer count toward your Premier qualifying balances. If you choose to receive a monthly statement via postal mail, a statement fee of $3 will be assessed each month. You can turn off paper statements by logging in to Online Mobile Banking, selecting “online only,” and accepting the Online Statement Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement.

4. 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: BOK Financial 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.

5. If you choose to receive a monthly statement via postal mail, a statement fee of $3 will be assessed each month. You can turn off paper statements by logging in to Online Mobile Banking, selecting “online only,” and accepting the Online Statement Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement.

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