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2022 List of Oklahoma Second Chance Checking Accounts


Oklahoma residents living without a bank account may end up paying more for simple services like cashing a check. ChexSystems or bad credit has hindered a large number of Americans from having access to traditional checking or savings accounts.

Roughly 7 percent of Oklahoma households are “unbanked,” meaning they don’t have checking or savings accounts, according to a 2017 survey by the Federal Deposit Insurance Corporation. An additional 21 percent are considered “underbanked” because they have bank accounts but still use alternative financial services like check cashers.

Check out our list of second chance checking accounts in Oklahoma. Many second chance bank accounts run a ChexSystems report.

If your ChexSystems record has unpaid debt, consider options at banks that don’t use ChexSystems or bank accounts for bad credit.

Second chance checking accounts in Oklahoma

Upgrade Rewards Checking

The Upgrade Rewards Checking Account offers up to 2% cash back on common everyday expenses at grocery and drug stores, gas stations, monthly subscriptions, restaurants, and cell phone utilities. Plus, account holders get unlimited 1% cash back on all other debit card charges. This account takes less than 10 minutes to open, the process is simple and easy.

Upgrade Rewards Checking Features

  • No ATM fee.
  • Zero Monthly Fees.
  • Zero Overdraft/Insufficient Fees.
  • 2% cash back on common everyday expenses and recurring payments and unlimited 1% cash back on every other debit card charge.
  • use your Rewards Checking card wherever Visa® is accepted.
  • FDIC-insured up to $250,000.
Rewards Checking is offered by Upgrade Inc, a nonbank financial services provider founded in 2016 and based in San Francisco, CA. It is made possible by a bank partnership with Cross River Bank, Member FDIC. Upgrade VISA ® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Rewards Checking is available in 50 states (and Washington, DC).

Current Checking Account

The Current Checking Account can be opened with a minimum of $10 with a debit card or an existing checking account.

Current Account Features

  • $10 minimum opening deposit.
  • Savings feature that pays 4.00% APY on balances up to $6,000.
  • No overdraft fees when you overdraw by up to $200 with Overdrive™.
  • Get your paycheck up to 2 days early with direct deposit.
  • Earn points for unlimited cashback at participating retailers.
  • Gas station holds immediately credited to your account.
  • Send money instantly for free.
  • 24/7 member support.

Oklahoma’s Credit Union

Credit Unions are a great place to bank. If you have a ChexSystems record you may be eligible for the “Fresh Start Checking Account” at Oklahoma’s Credit Union. There is a monthly fee of $9.95 but there is no minimum balance. You must work, live or worship in Canadian, Grady, Cleveland, Lincoln, Logan, McClain, Oklahoma or Pottawatomie County areas in order to qualify. You may also qualify through your employer.

Allegiance Credit Union

For people in the Oklahoma City and surrounding areas, you may find a “Fresh Start” at Allegiance Credit Union. They offer people who have been denied due to ChexSystems a “Fresh Start Checking” account. The monthly fee is $9.95 and there is no minimum balance required. Customers get a Visa® Check Card but checks are not available on this account.

City National Bank

City National Bank in Oklahoma only uses proper identification. There are several checking account options ranging from $3.95 to $12.95 per month. All checking accounts come with online banking, debit card, mobile banking and phone banking services.

Bank of Oklahoma

A second chance checking account can be found in Oklahoma at the Bank of Oklahoma. They offer an “Opportunity Checking” account but you must visit a branch or call to apply. A $50 minimum opening deposit required and customers get free ATMs, a Visa Debit card and free online BillPay. The monthly service fee is $14.95.

TTCU The Credit Union

Tulsa Teachers Credit Union is made up of teachers, school faculty, administrators, staff, students and more than 600 affiliated groups. You may be able to join even if you are not an educator. The “Fresh Start” account Our Fresh Start account is designed to help those who have had trouble managing their accounts in the past, and who desire a fresh start. There is a monthly service fee of $10.00 and it takes $25 to open an account.

Landmark Bank

Landmark Bank offers a second chance checking account called “Rebound Checking”. This account offers a free Visa® Debit Card, a free box of Landmark Bank logo checks and up to 5 ATM Network fees waived per-month. There is a monthly service fee of $9.99. Plus, if you keep your second chance checking account in good standing for 12 consecutive months, you will be eligible to switch to another checking account type, including Better Free Checking.

Fort Sill National Bank

Fort Sill National bank does not use ChexSystems but a credit report will be pulled. They have several checking account packages to choose from but the Basic Checking includes a $5.00 Minimum deposit required to open account, has no monthly fees, unlimited check writing and a Visa CheckCard.

Bank of the West

Bank of the West does run a ChexSystems report but they have a second chance banking program called “Fresh Start.” Your Chexsystem listing must be older than one year and it cannot be for fraud. Basic checking has a $10 monthly fee but it is waived when you: Maintain an average monthly balance of $1000; Receive a direct deposit of $250; or Use your Bank of the West Debit Card for 10 or more purchases during each statement cycle.

First Family Federal Credit Union

First Family Federal Credit Union uses Telecheck to open checking accounts. Personal checking accounts are FREE with enrollment of e-statements.

Credit Union One of Oklahoma

Credit Union One of Oklahoma uses Telecheck to verify accounts. They offer several free checking account options.

MTC Federal Credit Union

MTC Federal Credit Union required proper identification only to verify new accounts. They offer a variety of different checking account options to fit your financial needs.

Communication Federal Credit Union

Communication Federal Credit Union requires a credit report to verify new accounts. They offer a variety of different checking account options to fit your financial needs. All accounts require a $25 opening deposit.

Citizens Bank of Edmond

They offer a Fresh Start Checking account that can convert to a regular checking account after 12 months with no overdrafts. Customers enjoy free online banking and bill pay. There is a $10 monthly service charge. All accounts require $50 minimum opening balance.

TT Federal Credit Union

TTCU offers a Fresh Start Checking account that requires $25 to open. There is a $10 monthly service charge. The account is designed to help those who have had trouble managing their accounts in the past, and who desire a fresh start. Customers enjoy unlimited check writing, free ATM transactions, online banking and mobile banking.

WEOKIE Credit Union

They offer a Fresh Start Checking account. This checking account is designed to provide opportunities to re-establish a good checking account history. There is no minimum balance to maintain. Customers enjoy Courtesy Pay® – up to $300 overdraft protection, unlimited check writing.

Final thoughts

Get back into banking. A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted. For consumers with an EWS record, it can last for 7 years unless you’re able to successfully dispute EWS.

Get back to traditional banking in Oklahoma. Being unbanked in Oklahoma means paying check cashing stores, purchasing money orders, or depending on a prepaid debit card. Plus, if you use cash to pay bills you can lose or misplace receipts. Using a bank to conduct financial transactions is safer and more convenient — plus saves you money on fees.