Banks That Don’t Use ChexSystems in Oklahoma

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 4.69% 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.

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 4.30% 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.

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.

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 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.

These accounts offer competitive interest rates, with the potential to earn up to 4.00% 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.

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 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.

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.