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.
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.
Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.
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Does not use ChexSystems or TeleCheck.
To open an account with City National Bank and Trust you must appear in person at a branch with proper ID.
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.
Personal checking, savings and business accounts
Learn more about City National Bank
TeleCheck and a credit report
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.
Personal checking and savings
Learn more about Legacy Bank
Equifax Credit report
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.
Personal checking and savings accounts
Learn more about Communication Federal Credit Union
TeleCheck
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.
Personal checking and savings accounts
Learn more about Credit Union One of Oklahoma
TeleCheck and a credit report
We use both the credit report and TeleCheck and we look at the overall credit.
Personal checking and savings accounts
Learn more about Municipal Employees Credit Union of Oklahoma City
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.
Second chance checking
Learn more about Bank of the West
We do not do any credit checks to open a checking.
Personal checking and savings accounts
Learn more about MTC Federal Credit Union
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.
Second chance checking
Learn more about Tinker Federal Credit Union
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.
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.
Yes, we offer what is called the Rebound checking account. There is a service fee of $9.99 per month for this account type.
Second chance checking
Learn more about Landmark Bank
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.
Personal checking and savings accounts
Learn more about Western Sun Federal Credit Union