Banks That Don’t Use ChexSystems in Oklahoma

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

Our Top Pick

Features & Benefits

  • Up to 4.69% APY on savings
  • Up to 2% cash back
  • No minimum balance requirement
  • No monthly fees or overdraft fees

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.

SoFi

Our Second Pick

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

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 4.20% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

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

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.

Chime

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 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

Features & Benefits

  • Earn up to 4.00% APY
  • No monthly fees
  • No minimum balance requirements
  • Over 30,000 fee-free ATMs

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.

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.

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.

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.

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.

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.

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.

Credit Union One of Oklahoma

Credit Union One of Oklahoma reviews applicants using Telecheck instead of ChexSystems.

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.

First Family Federal Credit Union

First Family Federal Credit Union uses Telecheck instead of ChexSystems to approve applicants.

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.

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.

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.

FSNB

FSNB offers banking without using ChexSystems or conducting credit checks, making it easy to open an account with just a $5 deposit.

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.

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.

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.