Banks That Don’t Use ChexSystems in Oklahoma

Struggling to open a checking account in Oklahoma due to a negative ChexSystems listing?

While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.

Non-ChexSystems & Second Chance Banks in Oklahoma

We’ve compiled a comprehensive list of Oklahoma banks and credit unions that allow anyone to open a checking account, regardless of their banking history.


Our Top Pick

Features & Benefits

  • Up to 5.21% APY on savings
  • Up to 2% cash back
  • No minimum balance requirement
  • No monthly fees or overdraft fees

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 ATM 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 5.21% APY, giving you a remarkable opportunity to grow your savings faster.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.


Our Second Pick

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 4.60% APY on savings
  • Over 55,000 fee-free ATMs

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 are entitled to an annual percentage yield (APY) of 4.60% on their savings and 0.50% on checking accounts.

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


Features & Benefits

  • Build credit just by using your debit card
  • No minimum balance or monthly fees
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster
  • No credit check or ChexSystems

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

A Current mobile bank account includes fee-free overdraft protection of up to $200. Account holders also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.


Features & Benefits

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

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.

First Tech Federal Credit Union

Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • No minimum balance requirements
  • Earn up to 5.00% APY
  • Over 30,000 fee-free ATMs

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees. Members can take advantage of a $300 bonus simply by establishing a qualifying payroll direct deposit of $1,000 or more per month for three consecutive months.

These accounts offer competitive interest rates, with the potential to earn up to 5.00% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers, contributing to a comprehensive and secure banking experience.

Allegiance Credit Union

You can apply for a second chance checking account at Allegiance. The monthly fee is $9.95 with $25 required to deposit when you open your account.

While you don’t get access to checks with this account, you do get unlimited check card transactions. Other benefits include free online and mobile banking, bill pay, text alerts, and eStatements.

To become a member, you must live, work, attend school, or worship in the Oklahoma City MSA. This includes the counties of Logan, Canadian, Oklahoma, Cleveland, McLain, and Pottawatomie.

Bank of Oklahoma

Opportunity Checking from Bank of Oklahoma offers you a second chance, regardless of your banking past. With direct deposit, you’ll pay $9.95 a month, otherwise, the fee jumps to $14.95.

You can also get one refund a year on an overdraft fee, as long as you request it. You get free online and mobile banking, mobile banking, plus a Visa debit card.

There are numerous branches throughout the state. Over 450 free ATMs are also available, including QuikTrip and Kum-N-Go ATMs throughout Tulsa and 7-Eleven and OnCue ATMs throughout Oklahoma City.

Citizens Bank of Edmond

You can apply for Fresh Start Checking at Citizens Bank of Edmond. They don’t guarantee approval, but if you do qualify, you don’t have to keep a minimum balance in the account. There is a requirement to open the account with $50 and the monthly fee is $10.

You won’t get a debit or ATM card right away. First, you have to go for six months without an overdraft on the account. If you reach 12 months with no overdrafts, you can convert your Fresh Start account to Free Checking.

City National Bank

To qualify for an account at City National Bank, you just need a photo ID. There are several options to choose from, including specific accounts designed for students and members of the military.

The most basic account is called Personal Checking. There’s a $3.95 monthly fee if your daily balance goes below $75; otherwise, it’s free. You get a Visa debit card, online and mobile banking, plus overdraft protection.

They have locations inside Walmart stores throughout Oklahoma. There are also drive-thru locations in Lawton, Tulsa, and Oklahoma City.

Communication Federal Credit Union

Communication Federal pulls your credit report rather than your ChexSystems report when considering a new checking account. If you get approved, there are several options available.

The most basic is CFCU’s Connect Card. You can reload the card using either check or cash deposits, and you still get checking perks like mobile banking.

You don’t have to worry about overdrafts because it acts as a cash card. One bonus is that the Connect Card also comes with a savings account. The monthly fee is $4.95 and while there’s no monthly balance requirement, you do need a $25 opening deposit.

They have branches and ATMs located throughout most of the state of Oklahoma.

Credit Union One of Oklahoma

Credit Union One of Oklahoma uses Telecheck rather than ChexSystems when it comes time to review applicants.

If you qualify, there are four checking options to choose from: Free, OnePlus, OnePremier, and OneE. The Free Checking gets you a Visa debit card, online banking, and the mobile app.

While there are no monthly fees, you do have to pay extra for some features, such as bill pay, checks, teller checks, and foreign ATM fees.

To become a member, you simply have to open a share savings account with a $25 deposit. There are branch locations throughout Oklahoma City.

First Family Federal Credit Union

Instead of ChexSystems, First Family Federal relies on Telecheck to approve applicants. As long as you enroll in e-statements, their checking is free.

Otherwise, you’ll pay a $2 monthly fee to receive paper statements (unless you’re 60 or older). You could also potentially qualify for overdraft protection with this account, and all account holders get a free debit card.

There are multiple branches including Checotah, Henryetta, Okmulgee, McAlester, and the OSU Institute of Technology. You can qualify for membership as long as you live, work, worship, or attend school in Atoka, Coal, Haskell, Hughes, Latimer, McIntosh, Okfuskee, Okmulgee, Pittsburg, or Pushmataha Counties.


FSNB offers banking without ChexSystems or credit checks, allowing for easy account opening with a $5 deposit.

Checking account options vary: Advanced Checking has a $10.95 monthly fee; Career Checking and 50+ Checking are free with a monthly direct deposit; Basic Checking incurs a $6.50 fee if the balance drops below $100.

The accounts come with a Visa check card, free online and text banking with bill pay, and an interest-bearing account, conditional on maintaining a minimum balance.

Additional 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 every quarter.

Liberty National Bank

Liberty uses Telecheck, not ChexSystems when evaluating applications. If you get approved, consider their Essential Checking. There’s a $3 monthly maintenance fee, but there are multiple ways to get this waived. They include:

  • Maintain a $250 minimum daily balance
  • Be at least 62 years old
  • Make 12 debit card transactions each month

They have branches in Apache, Blanchard, Chickasha, Elgin, and Lawton, Oklahoma.

MTC Federal Credit Union

You’ll likely just need a valid ID to qualify for an account with MTC Federal. Basic Checking is a strong option that has no monthly service fee. To be eligible, however, you’ll have to sign up for monthly direct deposits of at least $400.

You also need to have another account with them, such as a loan, share certificate, or money market account that has a value of at least $2,000.

To become a member, you must live, work, worship, or attend school in Carter County, Oklahoma. Alternatively, you can qualify if you work for an eligible employer or if you have a family member who is an existing MTC FCU member. There are two branches in Oklahoma, both of which are in Ardmore.

TTCU Federal Credit Union

You can qualify for Fresh Start Checking from TTCU Federal and after a year of successful account management, you could potentially upgrade to a better option.

To open a Fresh Start account, you’ll need a $25 opening deposit, but after that, you’re not required to keep a minimum balance. There’s a monthly fee of $10, plus you get online and mobile banking, as well as unlimited check writing. You could also get overdraft protection up to $200.

They have multiple locations throughout Oklahoma, including:

  • Tulsa (multiple locations)
  • Bixby
  • Broken Arrow (two locations)
  • Jenks
  • Owasso
  • Sapulpa
  • Claremore
  • Miami
  • Muskogee
  • Tahlequah

WEOKIE Federal Credit Union

WEOKIE Federal offers Fresh Start Checking to help you rebuild your checking history. There’s no minimum balance required, but you will pay a monthly fee. But you get some good perks, including up to $300 in overdraft protection and unlimited check writing.

There are several branch locations including Oklahoma City, Edmond, Yukon, Norman, Moore, and Midwest City.