Welcome to American Discovery

At American Bank of Oklahoma, we recognize that not everyone in our local communities experience the benefits of a banking relationship. Opening deposit requirements and hefty overdraft fees keep many Oklahomans from enjoying a simple checking account to regularly manage their finances and save money vs fee-based cash payments. Access to credit can be a struggle for those who don’t qualify, sometimes through no fault of their own.

We’re here to help change that.

The American Discovery™ family of purpose-designed banking programs address the needs of those who are currently unbanked or have been denied access to credit in the past. Our goal is to introduce new opportunities for hardworking singles and families that bring value to their everyday lives. These are benefits you can bank on starting now.

American DiscoveryChecking

American Discovery Endeavor

American Discovery Renew


For those who don’t currently bank, ABOK offers the American Discovery Checking Account that will help you save money for everyday bill pays or emergency purchases that often include fees for cash payments.  

  • $25 minimum opening deposit
  • $5 monthly service charge fee. Waived if customer has direct deposit
  • Electronic statement or $2 per month paper statement
  • Free online banking with Bill Pay
  • Free mobile banking
  • Debit card

Your financial history will be reported to us through ChexSystems, a financial reporting agency.

“The Cities for Financial Empowerment Fund is delighted to award its national Bank On account certification to American Bank of Oklahoma’s American Discovery Checking Account,” said Jonathan Mintz, President and CEO of the Cities for Financial Empowerment Fund.  “The American Discovery Checking Account offers NE Oklahoma residents who are looking to improve their finances a safe, affordable, and truly useful mainstream banking product to access and manage their money.  ABOK’s offering of this terrific account brings them into the forefront of national banking access efforts, and we thank them.”


Life brings us financial challenges that can often compromise our access to credit for everyday or emergency needs. American Discovery’s Endeavor™ program helps you build or rebuild your credit as you manage a loan to keep your financial profile in check.

  • Loans between $500 and $2,000
  • Fixed 6% APR
  • Loan terms up to 24 months
  • No origination fees, document preparation fees, or late charges  


  • No active bankruptcy
  • No unpaid tax liens
  • Proceeds can be placed in an American Discovery Checking Account

As every homeowner knows, there’s always something over time that needs fixed, replaced, or improved. American Discovery’s Renew™ loan program can help you tackle a wide array of home projects, whether it’s a new roof, HVAC system, flooring, windows, or other home upgrades that add value to your home and fit your budget.  

  • Loans between $2,000 and $15,000
  • Fixed 6% APR
  • Terms between 24 and 60 months depending on loan amount
  • No origination fees, documentation preparation fees, or late charges


  • Property must be owned by the borrower
  • No unpaid tax liens
  • ABOK will run a Title Search for ownership and no unpaid tax confirmation
  • No active bankruptcy
  • Must use an ABOK-approved contractor for improvements
  • Loan funds will be disbursed directly to the contractor upon approved completion of work

Yes, You Can

With American Discovery™, you have new banking opportunities to manage your money, build your credit, or secure a home improvement loan.

Ask one of ABOK’s team members how to get started. We’ll guide you step by step through the process and get you on your way to more convenience, and time and money savings.

We Live and Work Where You Do. And We’re Always Here to Help.

© 2023 American Bank of Oklahoma. All rights reserved.

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