Log OnEnroll Now
Consumer Banking
Business Banking
Online Banking
Convenience Services
Lending Center
About Us
Community Resources


Automated Teller Machines

Convenient 24 hours a day – 7 days a week banking with approximately 100 free of charge locations in Tulsa alone. Click here for a complete list of ATM locations in Tulsa that are free of charge.

Cash Advance

We offer cash advance services at our locations.

Credit Cards

Card Types:

  • Visa Classic
  • MasterCard Classic
  • Gold MasterCard
  • MasterCard Business

Our programs offer the following benefits:

Available on Visa/MasterCard Classic Cards:

  • Free Convenience Checks
  • Balance Transfer Options
  • Skip Payment Options
  • Low Monthly Minimum Payment
  • Competitive Interest Rates
  • 25-Day Interest Free Grace Period
  • 24-Hour Account Information
  • 24-Hour ATM Cash Access
  • Credit Life Insurance

Also on Visa Classic Cards:

  • Visa Buyer Protection Extended Warranty
  • $100,000 Travel Accident Insurance (at no cost to you!)

Also Available on MasterCard Business and Gold Cards

  • MasterCard Rental Insurance Coverage
  • MasterPurchase Retail Protection Services
  • MasterAssist Travel Assistance Service

Debit Cards

ATM/VISA debit card gives you a faster more economical and convenient way to buy the products and services you need. It allows you to withdraw funds from your checking account without ever having to write out a check. If you need cash, our debit card also doubles as an ATM card. You can use it instead of cash, credit or writing a check wherever Visa is accepted and the amount of the purchase will be deducted from your checking account.

Re-order Checks

You can re-order checks online. Just click on the link below.



24 Hour Banking Service:

Pawhuska: (918) 287-2265 (BANK)
Tulsa: (918) 712-4777
Toll Free: (877) 970-2265 (BANK)

Money Orders

When you have to send money somewhere, here’s the safe and dependable way to do it.

Night Depository

If you can’t make it to the bank during regular business hours you may use our convenient Night Drop box. Available 24 hours a day – 7 days a week at our locations.

Safe Deposit Boxes

Keep important documents and personal items in a safe, secure place. Safe deposit boxes are available in the following sizes:

Tulsa Box Rates

  • 3 x 5 - $20
  • 5 x 5 - $25
  • 3 x 10 - $35
  • 5 x 10 - $55
  • 10 x 10 - $90
  • SDB Lost Key/ Box Drilling - $150

Pawhuska Box Rates

  • 3 x 5 - $11
  • 5 x 5 - $17
  • 3 x 10 - $27
  • 5 x 10 - $40
  • 10 x 10 - $65
  • SDB Lost Key/ Box Drilling - $150

Stop Payment

May be placed on a check or debit.

Visa Gift Cards

The Visa Gift Card is convenient, affordable and safer than carrying large amounts of cash. The Gift Card is available at our locations.

Wire Transfers

Citizens Bank of Oklahoma originates and accepts both domestic and international wire transfers. Visit one of our branches for more information.

Wire Transfer Fees:
Incoming Wire $3.00
Incoming Wire - International $22.57
Outgoing Wire $16.62
Outgoing Wire - International $22.57

Cutoff Time: 1:00 p.m. (Any wire transfer instructions received after 1:00 p.m. will be processed on the next business day.)

Incoming Wire Instructions
Wire to: Bankers Bank
3015 United Founders Blvd.
Oklahoma City, OK 73112
Routing Number: 103003616
Credit to: Citizens Bank of Oklahoma
Account Number: 10187
Final Credit: Your Name and Account Number

Please call (918) 712-4700 or (918) 287-4111 for a complete price list on all products and services.


Citizens Bank of Oklahoma

HomePrivacyTerms of Use USA PATRIOT Act Information
Consumer BankingCDARSBusiness BankingOnline Banking
Convenience ServicesLending CenterAbout Us
Community Services

Equal Housing Lender
NOTICE: Citizens Bank of Oklahoma is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source - The Bank is not responsible for the content. Please contact us with any concerns or comments.