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  <xs:element id="bokf_CavanalHillFundsMember" abstract="true" name="CavanalHillFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_AmericanFundsMember" abstract="true" name="AmericanFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_AmericanBeaconMember" abstract="true" name="AmericanBeaconMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_NeubergerAndBermanMember" abstract="true" name="NeubergerAndBermanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_DodgeAndCoxMember" abstract="true" name="DodgeAndCoxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_FidelityMember" abstract="true" name="FidelityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_InvescoOppenheimerMember" abstract="true" name="InvescoOppenheimerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_JPMorganMember" abstract="true" name="JPMorganMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_MetropolitanWestMember" abstract="true" name="MetropolitanWestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_BOKFinancialRetirementFundMember" abstract="true" name="BOKFinancialRetirementFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_VanguardMember" abstract="true" name="VanguardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_JohnHancockMember" abstract="true" name="JohnHancockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_MFSInvestmentManagementMember" abstract="true" name="MFSInvestmentManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_BOKFinancialStrategicInternationalFundMember" abstract="true" name="BOKFinancialStrategicInternationalFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_SelfDirectedBrokerageAccountsMember" abstract="true" name="SelfDirectedBrokerageAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
