35+ Top Banks That Don’t Use ChexSystems Oklahoma

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

Chime

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

City National Bank

Form of verification:

ID

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 the 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 the 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 the 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 the 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 the 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

Bank of the West

Form of verification:

ChexSystems

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 the 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

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

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 the 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

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

See More Options in Your Area