Non ChexSystems Banks & Credit Unions in Oklahoma

Non-ChexSystems Bank Account at BBVA Compass is Available in Oklahoma!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice Money Market bank account.


Account Benefits
Not a ChexSystems Bank

Unlike most other banks and credit unions, BBVA does not run ChexSystems for customer verification.

Easy, Convenient Online Banking

Keep an eye on your accounts, transfer money and pay your bills with free online banking.

Pay Your Bills On Time the Easy Way

Never miss another bill payment again. With free bill pay online, you can schedule one-time or recurring payments to individuals or businesses.

Free ATMs

No ATM transaction fee for withdrawals and deposits at BBVA ATMs.

 

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a second chance bank account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to rebuild your credit.

Local Banking Options

Following is the web’s most comprehensive list of banks and credit unions in Oklahoma which 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 our proven, guaranteed approval solution is available in your area (listed above).

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.

Name of Bank Fort Sill National Bank
Form of VerificationCredit 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 OfferedPersonal checking and savings
Locations

1647 Randolph Road
Fort Sill, OK
Lawton Branch
6212 W. Cache Road

Name of Bank City National Bank & Trust
Form of VerificationID
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 OfferedPersonal checking, savings and business accounts
Name of Bank Chickasha Bank
Form of VerificationTeleCheck
Email from Bank

We do use TeleCheck when someone wishes to open a checking or savings account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

P.O. Box 1307
1924 S. 4th Street
Chickasha, OK 73023

P.O. Box 548
1525 N. Council
Blanchard, OK 73010

P.O. Box 10
317 N. Main
Cement, OK 73017

P.O. Box 306
802 South Coblake
Apache, OK 73006

P.O. Box 960
5003 E. Highway 37
Tuttle, OK 73089

Name of Bank Legacy Bank
Form of VerificationTeleCheck 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 OfferedPersonal checking and savings
Locations

225 W. Main
PO Box B
Binger, OK 73009

107 NE 10th St.
Box 10
Blanchard, OK 73010

2100 N. Hwy 81
Box 1109
Duncan, OK 73533

1015 W. Main
Box 1047
Duncan, OK 73533

1289 E. 15th
Edmond, OK 73013

921 W. 3rd
Box 1199
Elk City, OK 73648

301 N. 11th
Box 608
Hammon, OK 73650

101 W. Main
Box 1038
Hinton, OK 73047

1401 S. Broadway
Marlow, OK 73055

509 N.W. 32nd St
Newcastle, OK 73065

13425 N. MacArthur
Oklahoma City, OK

2801 W. Memorial
Oklahoma City, OK

701 E. Main
Weatherford, OK 73096

Name of Bank Bank of Oklahoma
Special Notes
  • HAS 2ND CHANCE CHECKING
  • CHEX MUST BE PAID NOT SHOW FRAUD
  • $ 8.95 A MONTH CHARGE
  • ATM ONLY NO DEBIT 1.00 FOR CARD
  • CAN HAVE CHECKS
  • NO OVERDRAFT AVAILABLE
  • $ 50.00 TO OPEN
  • NO MIN BALANCE REQUIRED
  • AFTER 1 YEAR CAN CONVERT TO REGULAR CHECKING
Types of Accounts OfferedSecond chance checking
Locations

CALL EXPRESS BANK OR APPLY IN PERSON

Oklahoma City Area: (405) 272-2548
Or  Outside These Areas: 1-800-234-6181

Name of Bank Communication Federal Credit Union
Form of VerificationEquifax Credit report
Membership Information

Live or work in Broken Arrow, OK, Carter County, OK or Pottawattamie County, OK (CFCU has a community charter for these areas).

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 OfferedPersonal checking and savings accounts
Locations

Oklahoma City, Norman, Tulsa, Broken Arrow, Lawton, Enid, Muskogee, Ardmore, Shawnee, and 2 in Kansas.

Name of Bank First Family Federal Credit Union
Form of VerificationTeleCheck
Membership Information

If you live or work within the boundaries outlined on the detail map, you are eligible to join our growing membership.

Types of Accounts OfferedWe use TeleCheck
Locations

301 E. 8th
Okmulgee, Oklahoma 74447

402 E. Main St.
Henryetta, Oklahoma 74437

Name of Bank Credit Union One of Oklahoma
Form of VerificationTeleCheck
Membership Information

Membership is available to anyone who resides, works, worships or attends school in the Oklahoma City Metropolitan Statistical Area. This area consists of the following six counties: Canadian, Cleveland, Logan, McClain, Oklahoma and Pottawatomie.

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 OfferedPersonal checking and savings accounts
Locations

Oklahoma City

Name of Bank North East Oklahoma Federal Credit Union
Form of VerificationTeleCheck
Membership Information

Our requirements are that you either live, work or worship in Ottawa or Rogers Counties.

Email from Bank

We use TeleCheck on all new accounts.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

303 Goodrich Boulevard
Miami, Oklahoma 74354
1800 South Hwy 66
Claremore, OK 74019

Name of Bank ME/CU
Form of VerificationTeleCheck and a credit report
Membership Information

MECU now serves anyone that lives, works or worships in Oklahoma, Cleveland, Pottawatomie, McClain, Canadian or Logan County.

Email from Bank

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

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Oklahoma City

Name of Bank RBC Bank
Form of VerificationCredit 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 OfferedPersonal checking, savings and business accounts
Locations
  • Broken Arrow
  • Catoosa
  • Claremore
  • Collinsville
  • Edmond
  • Inola
  • Oklahoma City
  • Owasso
  • Ponca City
  • Pryor
  • Skiatook
  • Wichita
Name of Bank Bank of the West
Form of VerificationChexSystems
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 OfferedSecond chance checking
Name of Bank MTC
Membership Information

Anyone who lives, works, worships or attends school in Carter County, Oklahoma.

Email from Bank

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

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Ardmore

Name of Bank Tinker Federal Credit Union
Form of VerificationChexSystems
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.

Membership Information

You live, work, worship, or attend school in any of the following Oklahoma counties: Payne, Pontotoc, Seminole.

Types of Accounts OfferedSecond chance checking
Name of Bank Landmark Bank
Form of VerificationChexSystems
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 OfferedSecond chance checking
Name of Bank Western Sun Federal Credit Union
Form of VerificationChexSystems
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.

Membership Information

Individuals who work, worship, live, volunteer or attend school in Tulsa or Okmulgee counties.

Types of Accounts OfferedPersonal checking and savings accounts

    More Non-ChexSystems Banks in the U.S.

    Select your state for a detailed list of local options

    Look no further! Free checking account at BBVA Compass is available in Oklahoma. Guaranteed approval even if you're on ChexSystems! Learn More & Apply Online