Second Chance Checking Accounts in Oklahoma

If your banking history has made it difficult to open a new account in Oklahoma, you’re not alone. Many banks use ChexSystems or similar screening tools to review past closures, overdrafts, or unpaid fees.

Second chance checking accounts provide a way to rebuild your banking access and start fresh with essential financial tools.

10 Banks & Credit Unions Offering Second Chance Bank Accounts in Oklahoma

Here’s a list of Oklahoma banks and credit unions offering second chance accounts to help you reestablish your financial standing.

Current

Our Top Pick

Features & Benefits

  • Build credit automatically with your debit card activity
  • No monthly fees or minimum deposit required
  • Over 40,000 Allpoint ATMs nationwide
  • Early direct deposit—get paid up to 2 days sooner

Current gives you a simple way to open a checking account without ChexSystems or credit checks. You can start building credit by using your debit card for everyday purchases—no loans, hard inquiries, or interest involved.

There’s no minimum balance to maintain, no hidden fees, and access to thousands of fee-free ATMs across the U.S.

Current’s Premium account also includes early direct deposit and Savings Pods that earn up to 4.00% APY, helping your money grow without sacrificing flexibility.

SoFi

Features & Benefits

  • Earn up to $300 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.80% APY on savings balances
  • Access to 55,000+ fee-free ATMs

SoFi’s Checking and Savings account is designed to help you keep more of your money. There are no monthly maintenance fees, no overdraft fees, and no minimums to worry about.

Set up direct deposit, and you can unlock a sign-up bonus of up to $300, plus earn a competitive 3.80% APY on your savings. Checking accounts earn 0.50% APY as well.

You’ll also have access to over 55,000 fee-free ATMs and the ability to get paid up to two days early with direct deposit.

Chime

Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 60,000 fee-free ATMs nationwide
  • Optional secured credit card to help build credit

Chime makes it easy to open a checking account, even if your banking history isn’t perfect. There are no monthly fees, no foreign transaction charges, and no minimum balance required.

You can also boost your credit with the Chime Credit Builder Visa®—a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 60,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Allegiance Credit Union

Allegiance CU provides a second chance checking account for individuals looking to rebuild their banking record.

The account requires a $25 opening deposit and has a $9.95 monthly fee.

While check writing isn’t included, members get unlimited debit card transactions, free online and mobile banking, bill pay, text alerts, and eStatements.

Allegiance CU serves members across the Oklahoma City metro area, with branches in Edmond and Oklahoma City.

Bank of Oklahoma

Bank of Oklahoma offers Opportunity Checking, a second chance account designed for those with past banking challenges.

The account includes free online and mobile banking, a Visa debit card, and one overdraft fee refund per year upon request.

It requires a $50 deposit to open. Monthly fees are $9.95 with direct deposit or $14.95 without.

Branches are located across Oklahoma, including Bartlesville, Broken Arrow, Edmond, Enid, Lawton, Midwest City, Norman, Oklahoma City, Tulsa, and Yukon.

Citizens Bank of Edmond

Citizens Bank of Edmond provides Fresh Start Checking for individuals needing a second chance.

Approval is not guaranteed, but those who qualify can open the account with $50 and pay a $10 monthly fee.

A debit or ATM card becomes available after six months of positive account activity. Members may upgrade to Free Checking after 12 months of good standing.

Branches are located in Edmond and Oklahoma City.

Focus Federal Credit Union

Focus Federal Credit Union offers Fresh Start Checking for those rebuilding their financial foundation.

The account features unlimited transactions, mobile banking, access to 16,000 fee-free ATMs, and personalized financial counseling.

Check writing is not available. After six months without overdrafts, members can request an upgrade to a traditional account.

Focus FCU has branches in Chickasha, Newcastle, and Oklahoma City.

Oklahoma Educators Credit Union

OECU provides Fresh Start Checking for members looking to recover from prior banking difficulties.

The account includes unlimited check writing, a Visa check card, online and mobile banking, and no monthly service fees. Direct deposit is required. Members also get fee-free ATM Zone transactions.

OECU operates branches in Bethany, Duncan, Midwest City, Moore, Norman, Oklahoma City, and Yukon.

TTCU Federal Credit Union

TTCU offers Fresh Start Checking to help members with prior banking issues reestablish account access.

The account requires a $25 deposit to open and carries a $10 monthly fee. It features online and mobile banking, unlimited check writing, and optional overdraft protection up to $200.

After one year of responsible use, members may upgrade to a standard account.

TTCU has branches in Bixby, Broken Arrow, Claremore, Edmond, Jenks, Miami, Muskogee, Owasso, Sand Springs, Tahlequah, and Tulsa.

Western Sun Federal Credit Union

Western Sun FCU offers Fresh Start Checking for those flagged in ChexSystems or who need to rebuild their banking record.

The account carries a $10 monthly fee, which can be waived by maintaining a $150 daily balance. It includes a free debit card and access to over 30,000 surcharge-free CO-OP ATMs.

After one year of positive account history, members can request an upgrade to a free checking account.

WSFCU has locations in Broken Arrow, Bixby, Okmulgee, Owasso, and Tulsa.