Banks That Don’t Use ChexSystems in Oklahoma

Have you tried to open a checking account in Oklahoma, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Oklahoma use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Oklahoma

Take a look at this comprehensive list of banks and credit unions in Oklahoma that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
LetMeBank’s rating
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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 debit card, and a credit builder Visa® credit card, all with no credit check.

The Chime Checking Account has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no 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.

You can see why Chime is our #1 choice.


Our Second Pick
LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • $100 bonus after 10 purchases in 60 days
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.


Our Third Pick
LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

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.

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.

Axos Bank

The Rewards Checking account from Axos Bank is an excellent choice for those looking for a bank account with no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and cash back rewards.

With this account, you can earn up to 1.25% APY and enjoy up to a $100 Welcome Bonus. Additionally, you’ll have access to unlimited free mobile deposits and your funds will be FDIC insured up to $250,000.

There are no overdraft fees or non-sufficient fund fees to worry about, and no minimum balance requirements.

All you need is a $50 deposit to open the account, and Axos Bank doesn’t use ChexSystems or pull your credit report to open your account.

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.


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Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Bank of Oklahoma

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.

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 doesn’t use ChexSystems or credit checks for new applicants. The minimum opening deposit is $5.

You’ll need to maintain a $75 balance to avoid paying the monthly $5.50 statement fee. Account holders get a Visa check card and free online banking.

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 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.

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.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.