Second Chance Checking Accounts in Oklahoma

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 $400, plus earn a competitive 3.30% 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.

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.

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 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Stash offers a checking account that does not require ChexSystems or a credit check. This makes it accessible if you have had trouble opening accounts in the past.

Each time you use the Stash debit card, you earn Stock-Back® rewards in the form of small pieces of stock from the brands where you spend.

You can also receive your paycheck early through direct deposit. The account has no overdraft fees.

The account is managed through the Stash mobile app. The app also gives you tools for investing and budgeting.

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.

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.

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.

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.

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.

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.

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.