If you live in Oklahoma and have had trouble getting approved for a checking account because of your ChexSystems record, you may be in luck. There are many banks and credit unions throughout the state that offer second chance accounts or don’t use ChexSystems.

Non-ChexSystems & Second Chance Banks in Oklahoma

Here’s the list of banks in Oklahoma that don’t use ChexSystems or offer second chance checking regardless of your checking past. You will also find several great online bank accounts that you can set up immediately from your home or office.


Our Top Pick
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on Chime's secure website

Chime is an online bank that offers easy checking. There are no fees involved, plus any direct deposit you sign up for can arrive in your account two days earlier than usual. You can get cash from over 60,000 fee-free ATMs across the U.S.

Chime also offers the option to link a savings account to your checking account, with a feature to round up purchases to the next dollar and transfer the extra into savings. It’s an easy way to start saving extra money.

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Allegiance Credit Union

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on Allegiance CU's secure website

You can apply for second chance checking 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.

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Bank of Oklahoma

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on Bank of Oklahoma's secure website

Opportunity Checking from Bank of Oklahoma helps gives 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.

You can find 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.

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Citizens Bank of Edmond

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on Citizens Bank of Edmond's secure website

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.

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City National Bank

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on City National Bank's secure website

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.

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Communication Federal Credit Union

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on Communication FCU's secure website

Communication Federal pulls your credit report rather than your ChexSystem 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.

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Credit Union One of Oklahoma

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on Credit Union One of Oklahoma's secure website

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.

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First Family Federal Credit Union

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on First Family FCU's secure website

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.

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Fort Sill National Bank

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on Fort Sill's secure website

Fort Sill doesn’t use ChexSystems or Telecheck, so you may have a good chance of getting approved for an account. If you do, take a look at their Basic Checking.

It takes a mere $5 to open the account and there’s a monthly fee of $5.50 if your balance drops below $75. If you keep your balance at $500, you’ll even start to accrue interest. This account also comes with online banking and unlimited check writing.

Branch locations include Fort Sill, Lawton, and Oklahoma City.

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Liberty National Bank

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on Liberty National Bank's secure website

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.

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MTC Federal Credit Union

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on MTC's secure website

You’ll likely just need a valid ID to qualify for an account with MTC Federal. Basic Checking is a strong option and 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.

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TTCU Federal Credit Union

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on TTCU's secure website

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
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WEOKIE Federal Credit Union

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on WEOKIE's secure website

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.

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