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Card Disclosure

Schedule of Fees and Charges
Service Fee
Inactive Account Fee $2.00 per month, beginning with the 13th month of no activity.
Card Purchase Fee $5.00
Customer Service (Automated) $1.00 per call, first two calls free.
Customer Service (Live attendant) $5.00 per call, first call free.
Website Use for Registration, Activation and Inquiry Free

BancFirst Gift Card Agreement
The following terms and conditions govern the issuance and use of your Gift Card issued by BancFirst ("Card"). Please read this Agreement carefully and keep it for your records. For purposes of this Agreement, the words "you" and "your" mean (a) the person to whom we issue a Card; (b) the person who has purchased the Card; and (c) the person using the Card. "We", "us", "our" and "Bank" means BancFirst, its successors, agents, affiliates or assigns. By signing or using the Card or permitting anyone else to use the Card, you agree to the provisions of this Agreement. The Card is a prepaid card access device that can be used at retail establishments that have agreed to accept MasterCard® branded debit cards. The unused balance on your Card does not earn interest.

Card Activation
You must activate your card and select a Personal Identification Number (PIN) by calling 1-888-200-9148.

Card Acceptance and Registration
Please sign your Card immediately. Register as the recipient of the Card at https://cardholder.mastercardworldwide.com/bancfirst/cardholder/ or by calling 1-888-200-9148 (Fees may apply, see Schedule of Fees and Charges). It is strongly recommended that you call to register as the recipient of your Card. You will not be able to do mail order, telephone order, or online purchases without registering your Card. If you do not register, you may not be able to establish that you are the owner of a Card that is lost or stolen.

Balance Inquiry
You can check the balance of your Card at any time by calling 1-888-200-9148; or at https://cardholder.mastercardworldwide.com/bancfirst/cardholder/. (Fees may apply, see Schedule of Fees and Charges).

Telephone Number and Address To Be Notified in Event Of A Lost Or Stolen Card Or Unauthorized Transfer
You should notify us IMMEDIATELY if your Card has been lost or stolen. If you believe your Card has been lost or stolen, or that someone without your authorization has transferred or may transfer money from your Card, call us immediately at 1-888-200-9148 or write to us at Card Services, P.O. Box 268949, Oklahoma City, OK 73126-8949. Telephoning is the best way of reducing your possible losses. To receive a replacement Card, you will have to provide us with the information that confirms that you are the owner of the Card.

Card Usage and Limitations
Subject to the limitations described in this Agreement, your Card can be used anywhere MasterCard debit or NYCE ® cards are honored in the United States to pay for goods and services. Upon any purchase via online, mail order, telephone order, or other purchase transaction, the amount available on the Card is reduced by the amount of such purchase. The amount of value shown on our records is determinative of the value. You may select a PIN for merchant purchases; however the card cannot be used to obtain cash at an ATM or branch location, or to make preauthorized regular payments. You are responsible for all authorized transactions initiated by use of your Card. If a retail establishment attempts to submit a transaction on the Card for an amount that is greater than the current value on the Card, the transaction may not be approved by us. In the event we, in our sole discretion, settle, pay, or honor a transaction when the Card has insufficient value for the transaction amount, this will result in an overdraft on your Card. You agree to pay us the amount of this overdraft. We may deduct the overdraft amount from your Card, or any other account you have with us or any affiliate. The amount available on your Card will be reduced by the amount of any purchase or withdrawal. We may charge the Card for all transactions you initiated or authorized, even though a negative balance may be created, but we have no obligation to permit a negative balance on the Card. If you use the Card for a transaction greater than the remaining balance, you must tell the merchant before completing the transaction. The merchant will require payment for the excess by cash or another credit/debit card. In any case where you are given value through the Card greater than the remaining balance, you will pay us on demand the amount by which your transaction exceeded the amount stored on the Card. The Card cannot be re-used or re-loaded.

Specialized Card Usage
When paying at the pump, simply insert your card and follow the instructions. If you are unable to complete the transaction at the pump, proceed inside and pay the attendant prior to pumping. Additionally, certain automated fuel dispensing merchants may place a preauthorized hold on your Card prior to permitting you to dispense fuel. When using the Card at a restaurant, a gratuity of up to 20% may automatically be calculated and added to the total amount of the bill at the time of authorization through the credit card terminal. This is to ensure that you have funds available to cover the total bill plus tip. Your Card will not be charged the calculated tip should you choose to pay a different tip amount or pay the tip in cash. To avoid any problems at the time of authorization, make sure the total amount of the bill, excluding any tip, does not exceed 70% of the existing balance on your Card. These preauthorizations may cause your Card to be declined.  We reserve the right to deny authorization requests from online gambling merchants, whether or not online gambling is illegal in the state in which you use your Card. You agree that you will not use your Card for any illegal purpose.

Error Resolution Procedures
Call us immediately at 1-888-200-9148 or write to us at Card Services, P.O. Box 268949, Oklahoma City, OK 73126-8949 if you think your receipt is wrong or if you need more information about a transfer listed on the receipt. If you tell us orally, we may require that you send your complaint or question in writing within 10 business days. We must hear from you no later than 60 days after the date of the transaction in question and you must provide the following information: (a) Your name, Card number and Social Security number; (b) A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need more information; and (c) The dollar amount of the suspected error. We will notify you of the results of our investigation within 10 business days after we hear from you and we will correct any error promptly. In some instances, it may take up to 45 calendar days to investigate your complaint or question. If an error involves a transaction that was either initiated other than in any state, territory or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico or any political subdivision of any of the above; or involves a transaction resulting from a point-of-sale debit transaction, the applicable time period for investigation shall be 90 calendar days. We will notify you of the results after completing our investigation.

Liability For A Lost Or Stolen Card Or Unauthorized Use
You will not be liable for any losses if you immediately notify us of the loss, theft or unauthorized use of your Card and if you: (a) Signed your Card; (b) Exercised reasonable care in safeguarding your Card from risk of loss or theft; (c) Inform us of the number of your Card and the approximate date of its last authorized use; (d) Report all facts of the loss or theft to us and cooperate in our investigation.

Card Expiration
Your Card can be used to make purchases until the entire value has been used or the embossed expiration date that appears on the Card, whichever occurs first. If a balance remains on your Card after the expiration, you can request a refund or a new Card by calling 1-888-200-9148. If you request a new Card, a Card with a new expiration date will be mailed to you.

Transactions are limited to U.S. only. In the event of purchases made in currencies other than U.S. Dollars, the transactions will be converted to U.S. Dollars. Conversion will be at a rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives, or the government-mandated rate in effect for the applicable central processing date. Conversion to U.S. Dollars may occur on a date other than the date of the transaction. Therefore, the conversion rate may be different from the rate in effect at the time of the transaction.

Failure to Make Transfers
If we do not complete a transfer arising from use of your Card in a timely manner or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, we will not be liable for any of the following: (a) If through no fault of ours your Card does not have sufficient value remaining on the Card to complete the transaction; (b) If the terminal or system was not working properly and you knew about the breakdown when you started the transaction; (c) If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions we have taken; or (d) In the case of any error or malfunction which was not intentional on our part and resulted in a good faith error. Under no circumstances will the Bank be liable to you for special, punitive, or consequential damages or for any incidental expenses incurred by you, including, without limitation, attorneys' fees.

Disclosure of Account Information to Third Parties
We may disclose information to third parties about your account or the transfers you make: (a) Where it is necessary for completing transfers; (b) To verify the existence and condition of your account for a third party, such as a merchant; (c) To comply with government agency or court orders; (d) If you grant your permission; or (e) To resolve an error or an inquiry as to an alleged error.

The Card is our property and we may revoke the Card at any time without cause or notice. However, you are solely responsible for the possession, use and control of the Card. You must surrender a revoked Card and you may not use an expired or revoked Card. When you surrender the Card, you must provide us with a name and address. Upon revocation by us, we will return any remaining value to you directly by check to the address furnished to us.

We may change the terms of this Agreement without notice, unless required by law. Changed terms will be posted on our website and will apply to the outstanding balance on your Card as well as to any transactions after the date of the change. In any event, your use of the Card after the date of the change will confirm your agreement to the change.

Governing Law
This Agreement is governed by applicable federal laws and regulation and, to the extent not preempted by federal laws and regulations, by the laws of the State of Oklahoma. A determination that any part of this Agreement is invalid or unenforceable will not affect the remainder of the Agreement.

MasterCard is a registered trademark of MasterCard International Incorporated. NYCE is a registered trademark of Fidelity Information Systems, Inc. Revised May 2013

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