The Best Banks & Credit Unions in Oklahoma That Offer Second Chance Bank Accounts

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.

Your Top Pick

BBVA is one of the most well-known banks for Oklahoma residents that are looking for a second chance bank account.

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

Why is it recommended for you?

Right now, a free checking account at BBVA is the only trusted option for customers looking for a Second Chance Checking account with high approval rate and excellent features and conditions. Use this opportunity to rebuild your credit while having a bank account with no restrictions.

  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • No hidden fees or ATM charges
  • Online & mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

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

Open a BBVA Account Now!

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

Another note to add is that it's a good idea to get your free annual report and try to dispute ChexSystems.

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.

Allegiance Credit Union Fresh Start Checking

Bank of Oklahoma Opportunity Checking

Citizens Bank of Edmond Fresh Start Checking

Oklahoma Educators Credit Union Fresh Start Checking

Oklahoma Employees Credit Union Fresh Start Checking

TTCU The Credit Union Fresh Start Checking

Weokie (Credit Union) Second Chance Checking

Western Sun Federal Credit Union Fresh Start Checking

Allegiance Credit Union Fresh Start Checking

Bank of Oklahoma Opportunity Checking

Citizens Bank of Edmond Fresh Start Checking

Oklahoma Educators Credit Union Fresh Start Checking

Oklahoma Employees Credit Union Fresh Start Checking

TTCU The Credit Union Fresh Start Checking

Weokie (Credit Union) Second Chance Checking

Western Sun Federal Credit Union Fresh Start Checking

  • 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