The Best Banks & Credit Unions in Oklahoma That Don't Use ChexSystems

ChexSystems can be a real pain to deal with when you’re trying to get a bank account opened in your name. It was established as a system to monitor and screen people who are looking to open checking and savings accounts. But the side effects of this kind system can result in you being unable to open a bank account even if you haven’t done anything shady.

Fortunately, there are still more than a couple of banks in Oklahoma that don’t use ChexSystems for verification. We’ll be looking at some of these banks as well as what your options look like if you get flagged by ChexSystems.

Editor's Choice

BBVA Online Checking

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You could get a $200 bonus by opening an Online Checking account and receiving a qualifying direct deposit of $500+ by October 31, 2020.

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BBVA is one of the most well-known banks for Oklahoma residents that are looking to avoid ChexSystems verification (BBVA bank uses Early Warning Services to screen new applicants).

You can open this account with as little as $25 for your initial deposit.

Features and Benefits

  • Bad credit OK
  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

Recommended For:

Right now, a free checking account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a Second Chance Checking account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to get back on track and rebuild your credit.

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Oklahoma that do not use ChexSystems and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if there are any proven, top picked solutions are available in your area (listed above) or on our page with best non-ChexSystems banks and other banking alternatives.

See more: Comprehensive List of Non-ChexSystems Banks

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

FSNB

Form of Verification: Credit report and ID

Special Notes:

You DO NOT have to be military to get an account.

FSNB is now open to anyone regardless of being in their location. Take advantage of this while you can. It may not last. ** FSNB now uses a credit report and many people have been turned down due to credit issues ** They do not use ChexSystems or TeleCheck …most people are still being approved.

FSNB charges $1 fee for not using one of their ATM's, plus any 'foreign' ATMs.

You have to call them and ask for new accounts, telling them that you wish to open a new checking account ..an application will be mailed out to you.

Types of Accounts Offered: Personal checking and savings

Learn more about FSNB

City National Bank

Form of Verification: ID

Special Notes:

Does not use ChexSystems or TeleCheck.

  • has 17 locations statewide.
  • must visit a branch with proper ID to get an account.

To open an account with City National Bank and Trust you must appear in person at a branch with proper ID.

Email from Bank:

We are considered the “second chance” bank. We do not currently use ChexSystems or credit checks as requirements to open an account.

If you would like to open an account with City National Bank & Trust Co., we would be more than happy to serve your banking needs.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about City National Bank

Legacy Bank

Form of Verification: TeleCheck and a credit report

Email from Bank:

We use TeleCheck and a credit report when opening a new account. You have to pass TeleCheck and then no we do not require a certain score to open the account.

Types of Accounts Offered: Personal checking and savings

Learn more about Legacy Bank

Communication Federal Credit Union

Form of Verification: Equifax Credit report

Email from Bank:

Presently we use a credit report as part of the application process for new account. There is no score requirement for a share/savings account. Typically, the minimum score to open a checking account is 525, but this can be subject to review on a case by case basis.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Communication Federal Credit Union

Credit Union One of Oklahoma

Form of Verification: TeleCheck

Email from Bank:

Credit Union One uses TeleCheck and Equifax. You must have a score of 560 or higher to be a member… They do not use ChexSystems.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Credit Union One of Oklahoma

Municipal Employees Credit Union of Oklahoma City

Form of Verification: TeleCheck and a credit report

Email from Bank:

We use both the credit report and TeleCheck and we look at the overall credit.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Municipal Employees Credit Union of Oklahoma City

RCB Bank

Form of Verification: Credit report

Email from Bank:

We do pull credit to open a new account with RCB Bank. Typically over a 550, however; they will review the entire credit report before opening the account.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about RCB Bank

Bank of the West

Form of Verification: ChexSystems

Special Notes:

The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

Types of Accounts Offered: Second chance checking

Learn more about Bank of the West

MTC Federal Credit Union

Email from Bank:

We do not do any credit checks to open a checking.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about MTC Federal Credit Union

Tinker Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

Tinker Federal Credit Union is now offering a 2nd chance checking called "Reconnect Checking”.

Email From person that got an account:

Originally, I applied online for membership savings and free checking. They replied with membership card for savings and a letter saying they could not open the free checking but they were able to open the reconnect checking for me. I took the letter with me to the branch, the supervisor signed off on the opening and I walked out with my debit card. I am in Oklahoma. This was the Tinker Diagonal Branch.

Reconnect Checking costs $6.00 a month. After 12 months, you become eligible to upgrade to a regular checking account.

You must complete a "Financial Education" Class via online or over the phone within the 12 months.

All transactions must be completed at a Branch. No shared branch activity until you upgrade.

Initial opening deposit of $25.00 for Reconnect Checking $5.00 for membership savings.

Types of Accounts Offered: Second chance checking

Learn more about Tinker Federal Credit Union

Landmark Bank

Form of Verification: ChexSystems

Special Notes:

Have you ever had a checking account that was overdrawn when it was closed? If so, you may have been reported to ChexSystems®, a national list of individuals who have previously mishandled a deposit account. This makes it difficult to find a bank willing to meet your needs.

We want to help you get back into the game with Rebound Checking, an account designed for people who are working to improve their credit rating because of past banking problems.

  • Free Internet Banking with Bill Pay
  • Free Visa® Check Card
  • Free bank logo checks
  • No fee traveler’s checks
  • Up to 5 ATM network fees waived per month
  • $5 discount on safe deposit box

Tip sheet on balancing your checking account and avoiding extra fees.

The monthly service fee is just $9.99. Plus, if you maintain your Rebound Checking account for a full year in good standing, you may request to switch to another checking account type, including Better Free Checking with no monthly service fees.

Email from Bank:

Yes, we offer what is called the Rebound checking account. There is a service fee of $9.99 per month for this account type.

Types of Accounts Offered: Second chance checking

Learn more about Landmark Bank

Western Sun Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

Western Sun Federal Credit Union will open a savings for anyone even if on ChexSystems and will also open a checking account for anyone, even with Chex entries but it must show paid or you must have a letter showing paid from the institution that reported you.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Western Sun Federal Credit Union

Banks and Credit Unions That Don't Use ChexSystems by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio