Banks That Don’t Use ChexSystems in Oklahoma

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

Chime has over 60,000¹ fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit². You can also deposit cash for free at over 8,500 Walgreens.

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

While the account doesn’t include check-writing privileges, it does offer unlimited debit card transactions, as well as free online and mobile banking, bill pay, text alerts, and eStatements.

To be eligible for membership, you must live, work, attend school, or worship in the Oklahoma City metropolitan statistical area (MSA), which covers Logan, Canadian, Oklahoma, Cleveland, McLain, and Pottawatomie counties.

Branch locations are available in Edmond and Oklahoma City.

You’re also eligible for one overdraft fee refund per year upon request. The account includes free online and mobile banking, as well as a Visa debit card.

Bank of Oklahoma has numerous branches across the state, and you can access over 450 ATMs, including QuikTrip and Kum-N-Go ATMs in Tulsa and 7-Eleven and OnCue ATMs in Oklahoma City.

Branches can be found in Bartlesville, Broken Arrow, Edmond, Enid, Lawton, Midwest City, Norman, Oklahoma City, Tulsa, and Yukon, as well as several other locations.

If you qualify, you’ll need to open the account with $50, and the monthly fee is $10. There’s no minimum balance requirement.

While you won’t receive a debit or ATM card right away, if you go six months without an overdraft, you’ll become eligible for one. After 12 months of positive account activity, you can upgrade to Free Checking.

Citizens Bank of Edmond has branches in Edmond and Oklahoma City.

Among the choices are accounts specifically designed for students and military members.

The most basic option is Personal Checking, with no monthly fee if you maintain a daily balance above $75. Otherwise, there’s a $3.95 charge. This account includes a Visa debit card, online and mobile banking, and overdraft protection.

You’ll find City National Bank locations inside Walmart stores across Oklahoma, including cities like Broken Arrow, Edmond, Lawton, Oklahoma City, and Tulsa.

If approved, you can choose from several account options, with the most basic being the Connect Card.

This reloadable card offers the convenience of mobile banking and comes with a savings account. The monthly fee is $4.95, and you only need a $25 opening deposit.

There’s no worry about overdrafts since the card operates like a cash card, making it a straightforward option for everyday use.

CFCU has branches and ATMs throughout Oklahoma, including cities like Ada, Ardmore, Broken Arrow, Edmond, and Oklahoma City.

If approved, you can choose from four checking options. The Free Checking account comes with a Visa debit card, online banking, and access to their mobile app.

There are no monthly fees, but certain features like bill pay, checks, teller checks, and foreign ATM fees may incur extra charges.

To join, simply open a share savings account with a $25 deposit. Credit Union One has two branch locations in Oklahoma City.

Their checking account is free if you sign up for e-statements; otherwise, a $2 monthly fee applies for paper statements, unless you’re 60 or older. You may also qualify for overdraft protection, and every account includes a free debit card.

You can become a member if you live, work, worship, or attend school in Atoka, Coal, Haskell, Hughes, Latimer, McIntosh, Okfuskee, Okmulgee, Pittsburg, or Pushmataha Counties.

Branches are located in Checotah, Henryetta, Okmulgee, McAlester, and at the OSU Institute of Technology.

With no checks to manage and unlimited transactions, it provides essential tools like 24/7 mobile banking, access to 16,000 fee-free ATMs, and personalized financial counseling.

After six consecutive months without overdrafts, you can request an upgrade to a traditional checking account.

Branches are available in Chickasha, Newcastle, and multiple locations in Oklahoma City.

They offer various checking account options: Advanced Checking comes with a $10.95 monthly fee, while Career Checking and 50+ Checking are free with direct deposit. Basic Checking has a $6.50 fee if the balance falls below $100.

Each account includes a Visa check card, free online and text banking with bill pay, and an interest-bearing option for accounts that maintain a minimum balance.

Perks include fee-free ATM transactions at FSNB locations, mobile banking, free e-statements, and no charge for cashier checks and money orders. Customers also receive one free box of standard checks quarterly.

FSNB branches can be found in Lawton and Fort Sill.

If approved, consider their Essential Checking, which has a $3 monthly fee, but it can be waived by maintaining a $250 minimum daily balance, being at least 62 years old, or making 12 debit card transactions monthly.

Liberty National Bank has locations in Apache, Blanchard, Chickasha, Elgin, Lawton, Medicine Park, and Oklahoma City.

The Basic Checking account has no monthly fees, as long as you meet two requirements: set up direct deposits of at least $400 and maintain another account with MTC, such as a loan, share certificate, or money market account with a minimum balance of $2,000.

You’re eligible for membership if you live, work, worship, or attend school in Carter County, Oklahoma. You can also qualify through select employers or by having a family member who is already a member.

MTC Federal has a branch in Ardmore.

The account comes with no minimum balance or monthly service charge and provides unlimited check writing, a free Visa check card, and free digital banking.

Direct deposit is required, and while there are no fees for ATM Zone transactions, fees may apply at other ATMs.

OECU has branch locations in Bethany, Duncan, Midwest City, Moore, Norman, Oklahoma City, and Yukon.

The account has a $10 monthly fee and provides benefits like online and mobile banking, unlimited check writing, and optional overdraft protection up to $200.

After a year of responsible management, you may be eligible to upgrade to a traditional checking account.

Branches can be found in Bixby, Broken Arrow, Claremore, Edmond, Jenks, Miami, Muskogee, Owasso, Sand Springs, Tahlequah, and Tulsa, with additional locations throughout the region.

The account includes unlimited check writing, access to a debit card, and up to $300 in overdraft protection for eligible transactions. You also get access to online and mobile banking, bill pay, and eStatements.

There is a monthly fee, but no minimum balance is required to keep the account open. The account gives members a clear path toward upgrading.

After 12 months of responsible account use, you may become eligible for a standard checking account with fewer fees and added benefits.

Membership is open to anyone who lives, works, worships, or attends school in select Oklahoma counties. WEOKIE has branches in Edmond, Midwest City, Moore, Norman, Oklahoma City, and Yukon.

This account helps members rebuild their creditworthiness with a $10 monthly fee, which can be waived by maintaining a minimum balance of $150.

The account includes a free debit card and access to over 30,000 surcharge-free CO-OP ATMs. After one year of good standing, members can request an upgrade to a regular free checking account.

WSFCU operates in multiple locations throughout Oklahoma, including Broken Arrow, Bixby, Okmulgee, Owasso, and Tulsa.