Personal Checking Accounts Tulsa

Triad Bank Personal Checking Accounts

With Triad Bank you get free access at more than 300 TransFund ATMs around Tulsa and surrounding communities, and we never put a limit on transactions.

Plus, you can make same-day withdrawals when you set up electronic direct deposits.

Free Checking

Our Free Checking account has no minimum balance requirements, and no fees with limited activity.

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Personal Checking

Our Personal Checking account offers a wider range of use if you plan on having a monthly balance of $750 or more.

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Super NOW

Our Super NOW checking account allows you to earn interest on an average daily balance of $500 or more, with no fees on balances over $2,500.

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Free Checking Account Details

Minimum to open: $50.
No Minimum Balance required to avoid service charge.
No monthly service charges.
No activity or transaction fees. However, bank customer ATM, VISA Check Card, PC Banking, and miscellaneous fees apply.
No interest earned or paid.
Neither cancelled checks, nor images, returned with customer statement.
Requires use of duplicate checks. First order of checks free (bank may limit check style).
Two free check copies per statement cycle at no charge; then bank's customary copy fee(s) apply.

Personal Checking Account Details

Minimum to open: $250.
Debit charges are waived on accounts with an average daily balance of $750.00 or greater.
Insufficient/overdraft fees may apply to overdrafts created by check, in-person, ATM or other electronic means as applicable.
For additional fees that are possible on this account, see our Schedule of Fees and Services.

Monthly Service Charges

Minimum Daily Balance
Maintenance Fee
$750 or above
No Charge
$749.99 – $500
$3.00
$499.99 – $300
$6.00
$299.99 and below
$10.00
Withdrawals
Fee
Each debit over 25 per month
$0.25

Super NOW Account Details

Minimum to open: $500.
Debit charges are waived on accounts with an average daily balance of $10,000.00 or greater.
Insufficient/overdraft fees may apply to overdrafts created by check, in-person, ATM or other electronic means as applicable.
Interest is based on an average minimum daily balance according to the following tiers: $500 – $2,499.99; $2,500 – $24,999.99; $25,000 – $99,999.99; $100,000 and above. View Current Rates.
The interest rate on this account is a variable rate. The interest rate and annual percentage yield for this account depend upon the applicable rate tier. The interest rate and annual percentage yield (APY) for these tiers may change at Triad Bank’s discretion.
Interest begins to accrue on the business day the deposit is made.
Triad Bank uses an average daily balance method to calculate interest on this account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period used is the actual number of days in the month.
Interest is compounded and paid monthly to this account on an average daily balance of $500.00 or more. If the account is closed prior to the accrued interest being credited, the accrued interest will be forfeited.
Triad Bank reserves the right to require at least a seven (7) day notice of intent to withdraw funds.
For additional fees that are possible on this account, see our Schedule of Fees and Services.

Monthly Service Charges

Average Daily Balance
Maintenance Fee
$2,500 and above
No Charge
$2,499.99 and below
$7.50
Withdrawals
Fee
Each debit
$0.20

Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.

USA Patriot Act

Help Us Prevent Identity Fraud
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According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.
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The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.
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Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.

Identity Theft Education

Identity theft is when someone has access to your personal information, such as your name, date of birth, and Social Security number, and uses it to commit fraud.
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Identity thieves can cost you both time and money. Recognize the signs of ID theft and take immediate action.

Unauthorized activity is detected on your bank account or on new accounts that you have on your credit report.
Unexpected calls and letters from debt collectors arrive about loans or other debts that you do not owe.
The IRS has notified you that there is a possibility that your tax return may be incorrect or that your tax return was filed under your name previously.
You are notified that your account was accessed using a device you don’t recognize.
You are charged for medical services that you did not receive.
Bank statements and bills are no longer sent by mail.
Credit is suddenly denied to you.

Anyone can become a victim of identity (ID) theft. These steps can help reduce the risk of ID theft.

1) Secure your personal data.

Don't give out personal information to anyone via email, text, or phone call.
Switch to paperless statements.
Don't put anything with your Social Security Number on it in your wallet. Only give it out when absolutely necessary.
Do not overshare on social media. Use privacy controls to ensure that your personal information isn't made public.
Talk to your children about internet safety and make sure they don't share any information online without permission.

2) Protect all of your devices.

Make sure you keep your devices up-to-date with the most recent security patches and software.
Use a password that is at least 8 characters to secure your home Wi-Fi network and devices.
When possible, enable biometrics like fingerprint sign-on, retina/facial identification.

3) You can control who can access your accounts.

For each account, create a strong password and don't reuse it on any other website.
Multifactor authentication is a great way to provide extra security when signing in to accounts.
To help you keep your accounts safe and monitor your finances, activate account alerts.
Confirm that your email address and phone number are correct in your financial accounts.

If you are a victim of ID theft, act quickly. Report identity theft and get a recovery plan at IdentityTheft.gov.
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United, we have the power to combat fraud. We believe that knowledge is the best defense against fraud. Learn more by visiting AARP Identity Theft or the Identity Theft Resource Center.