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.
Upgrade
Features & Benefits
- Up to 4.69% APY on savings
- Up to 2% cash back
- No minimum balance requirement
- No monthly fees or overdraft fees
SoFi
Features & Benefits
- Sign-up bonus up to $300 with qualifying direct deposits
- No monthly fee
- Earn up to 4.20% APY on savings
- Over 55,000 fee-free ATMs
Current
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
Chime
Features & Benefits
- Over 14.5 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
- Over 60,000 fee-free1 ATMs
First Tech Federal Credit Union
Features & Benefits
- Earn up to 4.00% APY
- No monthly fees
- No minimum balance requirements
- Over 30,000 fee-free ATMs
Allegiance Credit Union
Allegiance Credit Union offers a second chance checking account with a $9.95 monthly fee and requires a $25 deposit to open.
Bank of Oklahoma
Opportunity Checking from Bank of Oklahoma gives you a second chance, regardless of your banking history. With direct deposit, you’ll pay $9.95 a month, or $14.95 without it.
Citizens Bank of Edmond
You can apply for Fresh Start Checking at Citizens Bank of Edmond, although approval isn’t guaranteed. If you qualify, you’ll need to open the account with $50, and the monthly fee is $10. There’s no minimum balance requirement.
While you won’t receive a debit or ATM card right away, if you go six months without an overdraft, you’ll become eligible for one. After 12 months of positive account activity, you can upgrade to Free Checking.
Citizens Bank of Edmond has branches in Edmond and Oklahoma City.
City National Bank
City National Bank, which doesn’t use ChexSystems, offers several account options that only require a photo ID to open. Among the choices are accounts specifically designed for students and military members.
The most basic option is Personal Checking, with no monthly fee if you maintain a daily balance above $75. Otherwise, there’s a $3.95 charge. This account includes a Visa debit card, online and mobile banking, and overdraft protection.
You’ll find City National Bank locations inside Walmart stores across Oklahoma, including cities like Broken Arrow, Edmond, Lawton, Oklahoma City, and Tulsa.
Communication Federal Credit Union
Communication Federal Credit Union pulls your credit report instead of using ChexSystems when evaluating new checking account applications.
Credit Union One of Oklahoma
Credit Union One of Oklahoma reviews applicants using Telecheck instead of ChexSystems.
First Family Federal Credit Union
First Family Federal Credit Union uses Telecheck instead of ChexSystems to approve applicants.
Focus Federal Credit Union
Focus Federal Credit Union offers Fresh Start Checking as a solution for those looking to rebuild their financial foundation after past challenges.
FSNB
FSNB offers banking without using ChexSystems or conducting credit checks, making it easy to open an account with just a $5 deposit.
Liberty National Bank
Liberty National Bank uses Telecheck instead of ChexSystems when reviewing applications.
If approved, consider their Essential Checking, which has a $3 monthly fee, but it can be waived by maintaining a $250 minimum daily balance, being at least 62 years old, or making 12 debit card transactions monthly.
Liberty National Bank has locations in Apache, Blanchard, Chickasha, Elgin, Lawton, Medicine Park, and Oklahoma City.
MTC Federal Credit Union
MTC Federal Credit Union doesn’t rely on ChexSystems, and qualifying for an account is simple with valid ID.
Basic Checking is a great option with no monthly fees, but you’ll need to set up direct deposits of at least $400 and maintain another account with them, such as a loan, share certificate, or money market account with a minimum balance of $2,000.
Membership is available if you live, work, worship, or attend school in Carter County, Oklahoma, or if you work for an eligible employer or have a family member who is already a member. MTC FCU has a branch in Ardmore.
Oklahoma Educators Credit Union
Oklahoma Educators Credit Union offers Fresh Start Checking, perfect for members aiming to rebuild their financial health.
The account comes with no minimum balance or monthly service charge and provides unlimited check writing, a free Visa check card, and free digital banking. Direct deposit is required, and while there are no fees for ATM Zone transactions, fees may apply at other ATMs.
OECU has branch locations in Bethany, Duncan, Midwest City, Moore, Norman, Oklahoma City, and Yukon.
TTCU Federal Credit Union
TTCU Federal Credit Union offers Fresh Start Checking, which requires a $25 initial deposit and comes with no minimum balance requirement.
The account has a $10 monthly fee and provides benefits like online and mobile banking, unlimited check writing, and optional overdraft protection up to $200. After a year of responsible management, you may be eligible to upgrade to a traditional checking account.
Branches can be found in Bixby, Broken Arrow, Claremore, Edmond, Jenks, Miami, Muskogee, Owasso, Sand Springs, Tahlequah, and Tulsa, with additional locations throughout the region.
WEOKIE Federal Credit Union
WEOKIE Federal offers Fresh Start Checking, designed to help you rebuild your banking history. While there’s a monthly fee, no minimum balance is required. Benefits include up to $300 in overdraft protection and unlimited check writing.
Branches are available in Edmond, Midwest City, Moore, Norman, Oklahoma City, and Yukon.
Western Sun Federal Credit Union
Western Sun Federal Credit Union offers a Fresh Start Checking account designed for individuals who have experienced difficulties managing a checking account and may have been flagged in ChexSystems.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming