Institutions Municipal Employees Credit Union of Oklahoma City

Does Municipal Employees Credit Union of Oklahoma City Use ChexSystems? Is it Good for Bad Credit?

Considering Municipal Employees Credit Union of Oklahoma City or already applying for its account? Find out whether Municipal Employees Credit Union of Oklahoma City uses ChexSystems and offers a second chance checking or savings account.

You walk into your local bank branch and sit down with your bank representative to talk about opening a checking account. Maybe you’ve been through some financial difficulties in the past, but you are ready to get back on track. But maybe not. You may think your financials are in good shape.

You wait with bated breath through the application process, only to let it out in a sigh of disappointment.

The banking representative turns to you and says, “I’m sorry, but we can’t open an account for you right now. You were rejected by ChexSystems.”

At that point, the banker probably explained ChexSystems to you in detail. If you haven't already, you can read our in-depth guide to ChexSystems and ChexSystems removal, and why it may be having a negative impact on your financial life.

Denials like these are surprisingly common. In fact, CNN has reported that approximately 15% of bank applicants are denied regular bank accounts.

Municipal Employees Credit Union of Oklahoma City

Several members of our community have reported that Municipal Employees Credit Union of Oklahoma City DOES use ChexSystems but you can still qualify for an account if you don't owe any money to the bank. A second chance checking or savings account is another option to consider. Check out their financial products below and visit the official website to learn more.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Municipal Employees Credit Union of Oklahoma City in any step of the process. You can be sure that these banks won’t ever cross reference your records before deciding whether to let you open an account.

The list is suggested by our readers. Please consider the Unchex editor's curated list of banks that don't use ChexSystems for all the banking options available nationwide.

Editor's Choice


Chime is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

Features and Benefits:

  • Free Visa® debit card
  • Free online banking and mobile banking/deposits
  • No monthly account balance minimums

Why is it recommended for you?

Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.

Apply Now

The Basics

Main Office 101 N Walker Ave Oklahoma City, OK 73102-2229
Deposit Insurance NCUA
Established On -
CEO Agnes Berkenbile
Headquarter Oklahoma
Number of Members 13,124
Community Bank -
Institution Class Federally Insured State-Chartered Credit Union
Institution Type Credit Union
Credit Union Programs Brokered Certificates of Deposit, Mortgage Processing
Low Income Designation No
Member of FHLB Yes
Total Assets $141,255,869
Asset Concentration -
Charter Number 65503
Routing Number -
Membership Eligibility

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


Services & Products

Accounts Offered -
Electronic Services Loan Payments, Bill Payment, Mobile Payments, Account Balance Inquiry, Internet Access Services, e-Statements, Share Account Transfers, New Loan, Download Account History, View Account History, Share Draft Orders
Access to Electronic Services Audio Response/Phone Based, Home Banking via Internet Website, Mobile Banking, Automatic Teller Machine (ATM)
Services & Products: Credit Business Loans, Participation Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Indirect Consumer Loans, Share Secured Credit Cards, Risk Based Loans, Overdraft Lines of Credit
Services & Products: Depository No Cost Share Drafts, Share Certificates with low minimum balance requirement, Business Share Accounts
Services & Products: Financial Education -
Services & Products: Other No Cost Bill Payer, Bilingual Services
Services & Products: Transactional ATM/Debit Card Program, No surcharge ATMs, Check Cashing