Operating without a checking account can be difficult. After all, it limits how you can pay for things and cash checks from work. 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 at all.

Here’s the go-to list of credit unions and banks that don’t use ChexSystems in Oklahoma or offer second chance checking regardless of your checking past.

BBVA Compass ClearConnect Checking

Online checking from BBVA Compass doesn’t require a ChexSystems check when you choose ClearConnect Checking. It’s an extremely user-friendly account, with no monthly service fee and a low opening deposit of just $25. You get all the perks of online checking, including a Visa debit card and a mobile banking app.

If you’re worried about how to get cash, your account with BBVA Compass gains you free access to 55,000 ATMs through Allpoint and BBVA Compass. Everyday use of your debit card also helps you earn cash back rewards.

Allegiance Credit Union

You can apply for a second chance checking account in Oklahoma at Allegiance Credit Union. The monthly service 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 of Allegiance Credit Union, 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

The Opportunity Checking account 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 Bank of Oklahoma 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.

Chime Bank

Chime Bank is an online bank that offers an easy checking account. 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 thousands of ATMs across the U.S. in the MoneyPass and Visa Plus Alliance networks.

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.

Citizens Bank of Edmond

You can apply for a Fresh Start Checking account 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 six months without an overdraft on the account. If you reach 12 months with no overdrafts, you can convert your Fresh Start Checking account to a Free Checking account.

City National Bank

To qualify for a checking 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 service 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.

City National Bank has locations inside Walmart stores throughout Oklahoma. There are also drive-thru locations in Lawton, Tulsa, and Oklahoma City.

Communication Federal Credit Union

Communication Federal Credit Union 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 account 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 so you can start to get your finances back in order, if necessary. The monthly fee is $4.95 and while there’s no monthly balance requirement, you do need a $25 opening deposit.

Communication Federal Credit Union has 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 accounts 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’s no monthly service fee, you do have to pay extra for some features, such as bill pay, checks, teller checks, and foreign ATM fees. To become a member of Credit Union One, 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 Credit Union relies on Telecheck to approve applicants. As long as you enroll in e-statements, their checking account 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 to visit in Oklahoma, 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.

Fort Sill National Bank

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

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

Landmark Bank

You could get approved for Landmark Bank’s Rebound Checking account even if you have bad credit or have previously closed an overdrawn bank account. There is a monthly service fee of $9.99 and if you keep your account in good standing for a year, you can upgrade to the Better Free Checking account. There are Landmark Bank branches throughout much of Oklahoma.

Liberty National Bank

Liberty National Bank uses Telecheck, not ChexSystems when evaluating checking account applications. If you get approved, consider the Essential Checking account. 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

You can visit Liberty National Bank branches in Apache, Blanchard, Chickasha, Elgin, and Lawton, Oklahoma.

MTC Federal Credit Union

You’ll likely just need a valid ID to qualify for a checking account with MTC Federal Credit Union. The Basic Checking account 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 the credit union, such as a loan, share certificate, or money market account that has a value of at least $2,000.

To become a member of MTC Federal Credit Union, 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 get a Fresh Start Checking account from TTCU Federal Credit Union 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 service 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.

TTCU Federal Credit Union has 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 Credit Union 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 in Oklahoma, including Oklahoma City, Edmond, Yukon, Norman, Moore, and Midwest City.