Second Chance Banks in Oklahoma | CheckingExpert.com (2024)

For those blacklisted from banks due to negative history, it may be because of ChexSystems, a reporting agency tracking banking records. Many people are blacklisted for unpaid overdraft fees or multiple overdrafts.

At CheckingExpert.com, we help you find second chance accounts. Many banks and credit unions in Oklahoma offer accounts for those with financial challenges, and some don’t even check ChexSystems. Here are our top recommendations to help you open an account.

Non-ChexSystems and Second Chance Banks in Oklahoma

Get an Account Today!

Chase Secure Banking | $100 New Account Bonus

The Chase Secure Banking account is a solid option for those seeking a second chance at banking. With over 15,000 ATMs and 4,700 branches nationwide, it offers convenience without a credit check or ChexSystems screening. Here’s a quick look at the key features:

Key Features

  • No credit check or ChexSystems
  • No minimum deposit to open
  • No overdraft fees
  • Free access to 15,000+ Chase ATMs
  • Free online bill pay, money orders, and cashier’s checks
  • Send and receive money with Zelle®
  • No paper checks
  • Zero Liability Protection for unauthorized debit transactions
  • Budgeting tools via the Chase Mobile® app
  • Credit and identity monitoring through Chase Credit Journey®
  • Early direct deposit, up to two days earlier

$100 Bonus

Earn a $100 bonus by completing 10 qualifying transactions (e.g., debit purchases, online bill payments, QuickDepositSM, or Zelle®) within 60 days of opening the account.

Approval Process

Chase doesn’t use ChexSystems for this account but does rely on Early Warning Services (EWS). Note: If you’ve had a past account closed by Chase, you may not be eligible.

Fees

  • $4.95 monthly fee (waived with $250+ in electronic deposits per month)
  • $3-$5 fees for non-Chase ATM usage

If you’ve been wanting to bank with Chase, the Secure Banking account could be a great fit, especially if you need a fresh start.

Get a Chase Account Now!

Found Business Banking | Our Favorite Business Account

The Found Business Banking Account simplifies banking. Exclusively for gig workers, sole proprietors and single-owner businesses, it offers a quick sign-up process with no credit check or ChexSystems required.

Key Features

  • No opening deposit, minimum balance, or monthly fees
  • Free unlimited ACH payments and invoicing
  • Free mobile check deposits
  • Built-in expense management tools
  • Accept bank transfers and card payments
  • Easy integration with Quickbooks, Stripe, Venmo, PayPal, Etsy, etc.
  • Early direct deposit: Get paid up to 2 days early1
  • Send money to anyone in the U.S. using their phone number or email
  • Cash deposits at over 79,000 locations
  • Online and mobile app access for account management
  • Found’s core features are free. They also offer a paid product, FoundPlus

Fast Approval Process

Time is money, and Found respects both. Apply for your business account onlineand the streamlined approval process ensures you’re up and running quickly. No lengthy paperwork needed to get swift access to your financial hub.

Easy Bookkeeping and Tax Management Tools

Managing your business finances shouldn’t be a headache. You get intuitive tools such as automated expense tracking, receipt capture, unlimited custom invoices, and the ability to manage 1099 contractor payments. Plus, you get the ability to auto-save for tax payments and automatically generate tax forms.

Found2 offers a streamlined financial solution for small businesses, making it easier to manage finances and grow your business.

Open a Found account now!

Chime | Over 7 Million Active Users

Fast-growing Chime®offers a standout checking account with numerous benefits and features that cater to a wide range of customers, including those with poor credit or blacklisted by ChexSystems.

Key Features

  • No Credit Check or ChexSystems: Open an account without a credit check or ChexSystems review.
  • No Initial Deposit or Minimum Balance: Start with no initial deposit and maintain no minimum balance.
  • No Monthly, Annual, NSF/Overdraft1, or Foreign Transaction Fees: Enjoy fee-free banking.
  • Free ATM Access: Use over 60,000 ATMs without fees.2
  • Free Cash Deposits: Deposit cash at 8,500+ Walgreens locations.3
  • Early Paycheck Access: Get your paycheck up to 2 days early with direct deposit.4
  • High-Rated App: Benefit from a highly-rated smartphone app with over 700,000 5-star reviews.
  • Instant Fund Transfers: Transfer funds to friends and family without additional apps.5
  • FDIC Insurance: Accounts are insured up to $250,000.

Savings Features

  • Round-Up Option: Automatically round up purchases to the nearest dollar and save the change in a free Chime savings account.
  • Competitive Interest Rate: Earn a 2.00% Annual Percentage Yield (APY)6 on your savings account.

Chime’s innovative approach to banking makes it a top choice for customers seeking a hassle-free and rewarding banking experience.

Get a Chime Account Today!

Upgrade Rewards Checking Plus

Upgrade offers a comprehensive online banking platform with a range of financial services, including the Upgrade Rewards Checking Plus account, which provides numerous benefits and features.

Key Features

  • Earn Up to 2% Cash Back: Get 2% cash back1 on debit card purchases at convenience and drug stores, gas stations, monthly subscriptions, restaurants, utilities, and cellphone services, and 1% on all other purchases. To earn the reward your account must be “active”. An active account is one that has a monthly direct deposit of $1,000 or more.
  • No Fees: No opening deposit, monthly maintenance fees, minimum balance requirement, NSF, or overdraft fees.2
  • Early Paycheck Access: Get paid up to 2 days early with direct deposit.3
  • Competitive Loan and Credit Card Rates: Enjoy 10%-20% lower interest rates on loans and credit cards through Upgrade.
  • High-Yield Savings: Earn up to 5.21% APY with a free Performance Savings Account.
  • FDIC Insurance: Accounts are insured up to $250,000.
  • Intuitive Online Dashboard and Mobile App: Manage transactions easily with a highly-rated app available for iOS (4.8/5) and Android (4.7/5) users.
  • Free Credit Score Access: Get free access to your credit score and receive notifications of any changes.

Upgrade Rewards Checking Plus offers a strong package with minimal fees and high approval rates, making it a top choice for consumers.

Get an Upgrade Account Now!

Current | Build Credit While You Bank

The Current Build account offers a unique and innovative way to build credit without the hassle and costs associated with traditional credit cards. Here are the key features and benefits:

  • No Fees or Minimums: No opening deposit, credit check, or minimum balance required. Plus, no fees at over 40,000 Allpoint ATMs in the US.
  • Early Paycheck and Rewards: Get your paycheck up to 2 days early with qualifying direct deposit and earn up to 4.00% bonus on your balance up to $6,000.
  • Unlimited Cashback and Instant Transfers: Earn points for unlimited cashback at participating retailers and send money instantly without added fees.
  • Simple and Elegant App: A user-friendly smartphone app with 24/7 member support.
  • Build Credit Easily: Add money to your account, swipe your card for purchases, and Current reports your payments to build your credit history.
  • Unique Gas Hold Removal: Current removes gas holds immediately, giving you access to all your funds without delay.

Overall, the Current1 Build account offers a convenient and rewarding way to build credit and manage your finances. With its innovative features and user-friendly app, it’s a great option for those looking for a hassle-free banking experience.

Get a Current Account Now!

Acorns

Acorns offers significant benefits, making it one of our top picks checking and savings accounts.

We love the heavy metal tungsten Visa debit card and the world-class smartphone app that lets you manage every aspect of your checking account, including budgeting, spending, and security. A standout feature is the ability to round up every purchase, automatically transferring the spare change into a savings account to help build your nest egg.

Signing up takes just 2–3 minutes, providing you with both checking and savings accounts. Additional features include:

  • FREE Visa® debit card
  • FREE bank-to-bank transfers
  • FREE physical check sending online or through the mobile app
  • FREE mobile check deposits
  • FREE access to 55,000+ fee-free ATMs
  • NO minimum balance or overdraft fees
  • NO credit check
  • $3 monthly fee
  • FDIC insured

Acorns is designed to give everyone the tools to manage their finances effectively.

Get an Acorns Account Now!

SoFi Checking & Savings | Earn a $325 Welcome Bonus

The account from SoFi Bank offers a combined checking and savings experience without requiring ChexSystems or credit reports for approval.

Key Features

  • Free SoFi debit MasterCard
  • Free smartphone app and online account management
  • No opening deposit, minimum balance, or monthly maintenance fees
  • Access to 55,000+ fee-free ATMs
  • Early pay: Receive direct deposits up to two days early

Bonus Offer

  • Earn $25 by depositing $10 or more upon opening your account
  • Get up to $300 extra by setting up an employer direct deposit (amount varies with deposit size)

Additional Benefits with Direct Deposit

  • Overdraft coverage up to $50 with no fees
  • Higher interest rates: 4.50% APY on savings balances and 0.50% APY on checking balances
  • Without direct deposit: Receive 1.20% APY on savings balances

Signing up takes less than 60 seconds. Join over 6 million members who trust SoFi for their banking needs.

SoFi has been great! The account was easy to open and I got my debit card a few days later. The smartphone app is easy to use and I can check everything from my computer, too. I’ve had some issues with ChexSystems in the past and SoFi seems to be the perfect bank.

Claire M., SoFi Customer

Get a SoFi Account Now!

Walmart MoneyCard

Want to earn cash back on Walmart purchases – up to $75 each year? Then you might love the Walmart MoneyCard. It’s a debit card that has some strong features such as cashback on Walmart purchases, overdraft protection, interest on your savings, and a mobile app that lets you track your purchases and deposit funds into your account.

Key Features

  • Easy approval: no ChexSystems or credit check
  • No initial deposit is required and there are no monthly minimums
  • Deposit cash for free at any Walmart store and it shows up 10 minutes later
  • Deposit checks using the Walmart MoneyCard smartphone app
  • Easily request multiple cards for family use1
  • Manage your account from your computer or the smartphone app
  • 3% cashback on Walmart.com purchases, 2% cashback for Walmart fuel stations, and 1% cash back for use in-store2
  • Earn 2.00% APY on money you set aside in a free savings account3
  • With qualifying direct deposits4, you can opt-in and enjoy overdraft protection of up to $200 on eligible purchases5
  • No monthly fee when you direct deposit $500+ in the previous monthly period. Otherwise, there’s a $5.94 monthly fee.6

The Walmart MoneyCard is available in all 50 states, Washington D.C., and Puerto Rico.

Open an account today!

Allegiance Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (10)Individuals who live, work, worship, or attend school in the Oklahoma City Metropolitan Statistical Area are eligible for a Second Chance Checking account with Allegiance Credit Union. Requiring a $25 minimum opening deposit and a $12 monthly service fee, this low-cost checking account is designed for those that have previously fallen on hard times.

To open your Second Chance Checking account, you can conveniently apply online or visit one of their branches if you prefer to apply in person. With your account, you’ll have access to free eStatements, mobile and online banking, unlimited transactions, and a free Visa debit card.

Allegiance Credit Union has three convenient locations in Oklahoma City and one in Edmond for all your financial needs.

Learn More

Bank of Oklahoma

Second Chance Banks in Oklahoma | CheckingExpert.com (11)The Opportunity Checking account from the Bank of Oklahoma is perfect for those who have suffered past financial challenges. For only a $25 minimum opening deposit and a $5 monthly service charge, this account is an ideal low-cost option. Plus, the account has no overdraft or insufficient funds fees.

In order to get started, simply visit one of their numerous locations. With your account, you’ll gain numerous benefits including free e-statements, free access to more than 450 ATMs, and potential for an account upgrade after one year of well-managed financial history.

The Bank of Oklahoma has locations throughout the state including in Oklahoma City and Tulsa for easy access to your financial account.

Learn More

Citizens Bank of Edmond

Second Chance Banks in Oklahoma | CheckingExpert.com (12)With the Citizens Bank of Edmond, obtaining a Fresh Start Checking account has never been easier. This account has been meticulously created for those looking for a fresh start concerning their finances.

The Fresh Start Checking account requires just a $10 monthly maintenance fee (when enrolled in eStatements) to get started. Once opened, you’ll have access to a wide variety of features and benefits including mobile and online banking, free bill pay, e-statements, and a free Visa debit card.

After 12 months of good standing, you’ll be eligible to convert to one of their traditional accounts called Forward Checking! The Citizens Bank of Edmond offers locations in both Edmond and Oklahoma City for easy access to all of your financial needs.

Learn More

Communication Federal Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (13)Rather than referring to your history with ChexSystems, Communication Federal Credit Union will pull a credit report. On top of that, they also offer a second chance account called Connect Card. This account is specifically for those that do not qualify for a traditional checking account.

Connect Card is a bare-bones account that you can use for everyday spending. The account comes with a Visa debit card and no fees to spend or load money onto the card. You also get access to online banking with bill pay, free eStatements, and optional overdraft protection products.

After 12 months of good standing, you’re able to upgrade to a traditional checking account. It’s also important to note that there is a required $25 opening deposit and a low $4.95 monthly service fee. You can apply for an account online or visit one of their branches. They have locations in cities including Ada, Bixby, Lawton, Oklahoma City, and many others!

Learn More

Credit Union One of Oklahoma

Second Chance Banks in Oklahoma | CheckingExpert.com (14)Credit Union One of Oklahoma utilizes Telecheck in lieu of ChexSystems when you apply for a checking account. Out of their several different account options, we recommend their Free Checking account.

Although direct deposit and eStatements are required with this account, there are no pesky monthly service fees to worry about. Free Checking also includes the basics like a Visa debit/check card and access to online banking. Although it’s labeled as Free Checking, there are small fees you will have to pay if you want to use their bill pay feature or write checks.

To become a member at CU One of Oklahoma, you will need to deposit $25 into a savings account to establish your membership. Visit their website or one of their branches in Oklahoma City to get started!

Learn More

First Family Federal Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (15)First Family Federal Credit Union is another example of an option that uses Telecheck in lieu of ChexSystems when verifying new accounts. They offer one general Checking Account that is fee-free if you enroll in eStatements.

The account also comes with a free debit card and overdraft protection services to those who qualify. If you’re 60 years of age or older you will also get free paper statements and one free box of checks per year!

First Family FCU extends membership to anyone who lives, works, worships, or attends school in one of ten eligible counties. Their branches can be found in Checotah, Henryetta, and Okmulgee.

Learn More

Focus Federal Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (16)We all make mistakes. At Focus Federal Credit Union they offer a second chance account called Fresh Start Checking. Perhaps you’ve had a difficult time and run into some problems with your finances. Fresh Start Checking is an affordable option that provides you with the tools to help you manage your account wisely and build a history of responsible money management.

After six consecutive months of no NSF fees and upon your request, Focus Federal Credit Union will convert your account to a Focus FCU checking account of your choice. There is a $50 initial deposit required as well as a moderate $9.99 monthly service fee. You also get access to financial counseling to help you stay on track!

Focus FCU offers membership to anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain, and Grady Counties. You can also join if you have a close relative who is already a member. Their branches are located in Oklahoma City, Chickasha, and Newcastle for your convenience.

Learn More

FSNB (Fort Sill National Bank)

Second Chance Banks in Oklahoma | CheckingExpert.com (17)Fort Sill National Bank is an excellent choice for those looking for second-chance checking. Their Basic Checking Account does not require a credit check. We like that you aren’t required to direct deposit and you won’t pay high fees. If your account balance is over $75, your monthly service fee of $6 is waived. If your account balance is over $500, you begin to earn interest.

All you need is $5 to open an account. The Basic Checking Account comes with:

  • A free Visa CheckCard
  • Unlimited check writing
  • Surcharge free ATM withdrawals at FSNB locations
  • Access to the Savings Round Up program
  • Online, mobile and text checking options

FSNB has numerous locations in both Fort Sill and Lawton.

Learn More

GO2bank

GO2bank is an offering of pre-paid card giant GoBank and we think it’s a step in the right direction. Like some of the newer “challenger banks” GO2bank will deposit your direct deposit check up to 2 days early and has cashback rewards on several categories of purchases. This account also makes you eligible for the GO2bank secured credit card, which has no annual fee and no credit check.

One significant drawback to many online-only bank accounts is that they have no way to accept cash deposits. But GO2bank accepts cash deposits at over 90,000 Green Dot locations nationwide. However, participating retailers may charge you a fee.

If you direct deposit over $500, your monthly maintenance fee of $5.00 is waived. And, they offer a pretty sweet overdraft protection program, but it has a gotcha charge of $15 if you don’t replace the funds within 24 hours.

Account-holders will appreciate the ability to budget their money with the help of a mobile app, budgeting tools, and a savings vault. In fact, they pay 4.50% on all money in the savings vault up to $5,000.

Learn More

GTE Financial

Go Further from GTE Financial helps put you on the path to a better checking account. If you don’t qualify for a traditional account, the Go Further account will help you get there in as little as 12 months. We consider this a low-cost second chance checking. As long as you make a total deposit of $500 for the month, opt to receive eStatements and make 15 monthly transactions, the $9.95 maintenance fee is waived.

GTE Financial is one of the largest credit unions in the US. Membership is open to anyone through easy requirements and an online application process. The Go Further account includes:

  • Free EMV-equipped debit card with built-in rewards
  • Online and mobile banking tools
  • Free bill pay service
  • Easy money transfers through the Popmoney service

Learn More

Liberty National Bank

Second Chance Banks in Oklahoma | CheckingExpert.com (20)Liberty National Bank is yet another Oklahoma-based option that refers to Telecheck instead of ChexSystems when screening new applications. If you’ve had issues in the past with a ChexSystems bank, this may be a viable option for you.

We recommend their Classic Club Checking because it is simple and the most affordable account. You’ll get all of the necessities like access to online banking, mobile check deposit, and a Visa debit card. We like this account because it also includes free unlimited basic checks and discounts on hotels and shopping!

It’s important to note that this account also requires a $9.95 service fee each month. You can find Liberty National Bank branches located in Apache, Blanchard, Chickasha, Elgin, Lawton, and Oklahoma City.

Learn More

MTC Federal Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (21)MTC Federal Credit Union reportedly only requires that you provide proper ID when you apply for a new checking account. Out of their several different options, their E-Checking account has the fewest requirements.

It’s important to note that the E-Checking account requires a direct deposit of $400 or more each month and that you enroll in eStatements. You get access to online banking and are able to earn interest on your balance over $1,500.

MTC FCU offers membership to anyone who has some connection to Carter County. You can also join if you have a close relative who is already a member or if you work for an eligible employer. Visit their website or one of their two branches in Ardmore to see if you qualify!

Learn More

Navy Federal Credit Union

Navy Federal Credit Union (NFCU) offers traditional checking accounts to all members, regardless of banking history, making it an excellent choice for active duty or retired US military, family members, and government contractors. There are two account options: Active Duty Checking and Free eChecking.

Both accounts include:

  • A free NFCU debit card
  • No monthly service fee with direct deposit
  • Overdraft protection through free savings transfers, a checking line of credit, or an optional overdraft protection service
  • Free mobile deposits
  • Free bill pay
  • Free traditional name-only checks
  • Monthly dividend credits

Learn More

Oklahoma Educators Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (23)A Fresh Start Checking account from Oklahoma Educators Credit Union is available to school employees, students, and specific employee groups within Oklahoma. A direct deposit is required to be eligible for this account.

Requiring no minimum opening deposit and no monthly maintenance fee, this account is a fantastic option for those looking to save on fees. Upon opening your account, you’ll have access to fantastic benefits including online banking services, a free Visa check card after your first direct deposit, and free ATM Zone transactions.

Oklahoma Educators Credit Union offers five locations throughout the state in Oklahoma City, Midwest City, Moore, Yukon, and Norman for your convenience.

Learn More

Rate The Information on This Page

TTCU Federal Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (24)Individuals who are employees, students, or volunteers at select schools or select employee groups are eligible for a Fresh Start Checking account with TTCU Federal Credit Union. Requiring a $5 minimum opening deposit along with a $10 monthly maintenance fee, this account is a great choice for those who have had past checking account struggles.

To get started, simply visit your closest branch to apply. Upon opening your Fresh Start Checking account, you will have access to free bill pay, free e-statements, and online and mobile banking.

TTCU Federal Credit Union offers eighteen branches in Oklahoma in cities including Tulsa, Bixby, Owasso, Miami, Edmond, and many others!

Learn More

USE Federal Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (25)When finances have you down, and you think there’s no hope of resurrecting your financial future, USE Federal Credit Union has a great low-cost checking account for you. The Fresh Start Checking can help you get back on your feet.

We like this account because it has no minimum balance requirements. There is only a $10 minimum deposit to open the account and a $5 monthly maintenance fee. With the account, you get both a free Visa debit card and unlimited check-writing ability. In addition, you’ll get the basics like access to digital banking services and free eStatements.

To be eligible to join USE FCU, you must meet a certain criteria. You can join if you have a family member or household partner that is already a member, you are an employee of the United States Postal Service, or if you are a federal employee living in one of six eligible Oklahoma counties.

Learn More

Weokie Federal Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (26)Weokie Federal Credit Union believes that everyone deserves a fresh start. With a minimal monthly fee, individuals who have had past struggles with obtaining a checking account can apply for the Fresh Start Checking account. This account has been specifically designed to give individuals a second chance to manage their finances.

To apply for a new account, visit your local branch. Weokie offers some good benefits, including unlimited check writing, no minimum balance requirement, and up to $300 in overdraft protection.

Visit one of their numerous branches throughout Oklahoma City, Edmond, Midwest City, Moore, or Yukon.

Learn More

Western Sun Federal Credit Union

Second Chance Banks in Oklahoma | CheckingExpert.com (27)Obtaining a Fresh Start Checking account with Western Sun Federal Credit Union is as simple as opening a savings account and depositing $5. Once this has been done, anyone can apply for the Fresh Start Checking account.

With just a $10 monthly maintenance fee that can be brought to $0 with an account balance over $150, this account is perfect for those looking to rebuild their creditworthiness. Once your account is active, you’ll have access to all the following benefits: a free debit card, a potential account upgrade after one year of good history, and access to over 30,000 surcharge-free ATMs.

Western Sun Federal Credit Union has locations throughout Oklahoma in Broken Arrow, Bixby, Okmulgee, Owasso, and two in Tulsa for your financial convenience.

Learn More

Ally Bank Spending Account

Ally Bank is a top-rated online financial institution renowned for its customer satisfaction and user-friendly banking solutions. Its checking account stands out by offering no minimum opening deposit and eliminating monthly maintenance fees. Moreover, Ally has abolished overdraft fees, providing peace of mind for account holders.

Customers enjoy access to over 43,000 nationwide ATMs, and Ally reimburses up to $10 per statement cycle for fees incurred when using out-of-network machines. The bank’s overdraft protection program, CoverDraft, becomes available 30 days after you deposit a total of $100. Activation is automatic, and you’ll receive an email notification once it’s set up. You can opt out of CoverDraft anytime, provided your account balance isn’t negative. If a transaction exceeds your available funds and CoverDraft is inactive, the transaction will simply be declined without any fees.

Ally Bank enhances convenience by integrating features like Zelle for quick money transfers, early direct deposit to access your paycheck up to two days sooner, and remote check deposits through Ally eCheck Deposit. The bank is also known for its accommodating account approval process, as long as there are no fraud alerts on your ChexSystems or Early Warning Services (EWS) reports.

Learn More

Capital One 360 Checking

The Capital One 360 Checking Account offers a convenient and inclusive banking option, ideal for individuals with past financial challenges. Unlike many traditional banks, Capital One’s unique approval process does not rely on ChexSystems, making it accessible to a broader range of customers.

This account is available nationwide, including all 50 states and the District of Columbia. While Capital One has over 400 physical branches, it operates primarily as an online bank, offering robust digital banking solutions. Customers can easily manage their accounts via a top-rated mobile app or through an online portal on a computer.

Key Features:

  • No opening deposit, monthly, or annual fees
  • No minimum balance requirement and no overdraft fees
  • Deposit cash at CVS® locations
  • Access over 70,000 ATMs nationwide with no fees
  • No foreign transaction fees while traveling
  • Deposit checks, pay bills, and manage finances with the Capital One mobile app
  • Seamlessly send and receive money using Zelle®
  • Enjoy early access to direct deposits
  • Track your credit score with Capital One’s CreditWise tool
  • FDIC-insured protection for balances up to $250,000

With no hidden fees and a wide array of features, this checking account offers flexibility and financial control, whether at home or abroad.

Learn More

Citibank Access Checking

The Citi® Access Checking account is an excellent option for individuals who have been blacklisted by ChexSystems or Early Warning Systems. As long as there are no records of fraudulent activity and no outstanding debts owed to Citibank, this account offers a high likelihood of approval.

This account is designed to be affordable and accessible, featuring no monthly service fees for the first 3 months. After that period, the $5 monthly service fee can be easily waived with qualifying direct deposits of at least $250 per month. Additionally, there are no overdraft or returned item fees—if insufficient funds are available, the transaction will simply be declined.

Key Features:

  • Access to 65,000+ fee-free ATMs nationwide
  • Send money easily to almost any U.S. bank account via Zelle®
  • No overdraft or NSF (non-sufficient funds) fees
  • Waive the $5 monthly fee with $250 in qualified direct deposits
  • Zero liability for unauthorized charges
  • Available in all 50 states and Washington, DC
  • No minimum opening deposit required

This checking account is perfect for those seeking a straightforward and low-cost banking solution with no hidden fees and a user-friendly approach to managing finances.

Learn More

Discover Bank® Cashback Debit Checking Account

Discover Bank’s Cashback Debit Checking Account offers a truly fee-free banking experience. Enjoy 1% cash back on up to $3,000 in debit card purchases each month, putting money back into your pocket with everyday spending. Access your funds easily with over 60,000 fee-free ATMs nationwide and withdraw up to $510 daily without worrying about extra charges.

The account comes with a fee-free, opt-in overdraft protection transfer service, helping you avoid insufficient funds fees. With direct deposit, you can get paid up to two days early, giving you quicker access to your money. Seamlessly send and receive money using Zelle®, and manage your finances on the go with mobile check deposits.

There are no monthly fees, balance requirements, or minimum deposit needed to open the account. While the account doesn’t support direct cash deposits, it compensates with a range of convenient features designed to simplify your banking experience. Eligibility is straightforward—as long as your ChexSystems report is clear of past fraud incidents, you can take advantage of this rewarding checking account.

Learn More

Fifth Third Bank | Get $325 Bonus

The Fifth Third Momentum® Checking account allows you to experience fee-free banking with no initial deposit, minimum balance, or monthly maintenance fees. Receive a $325 bonus when you set up direct deposits totaling $2,000 or more within 90 days (offer ends September 30, 2024; Member FDIC). Get paid up to two days early with qualifying direct deposits through Early Pay.

Benefit from Extra Time® overdraft avoidance, providing an extra business day to address overdrafts. Access short-term funds with MyAdvance®, borrowing against upcoming direct deposits. Enjoy over 40,000 fee-free ATMs and services at more than 1,200 branches.

Manage your finances with mobile and online banking tools like bill pay, mobile check deposit, transaction alerts, and Zelle®. Write unlimited checks without extra fees.

Available online if you reside in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee, or West Virginia.

Open an account today!

Lili | Quick Approval Small Business Banking

Lili is tailored for freelancers and independent contractors, especially sole proprietors and single-member LLCs.

They offer quick account approvals, often within hours, and provide a hassle-free banking experience with no initial deposit, minimum balance, hidden fees, credit checks, or ChexSystems checks.

Key Features

  • Free business Visa debit card
  • User-friendly mobile app
  • No minimum balance or NSF fees
  • No credit or ChexSystems checks
  • Free incoming wire transfers
  • Early direct deposits, up to two days faster than many banks
  • Mobile check deposits
  • Unlimited fee-free transactions
  • Quick 3-minute application

Easy Setup

Freelancers can get approved and access their accounts almost instantly online. Other business structures like LLCs, partnerships, and S Corps may take a few days. Funding options include mobile check deposit, direct deposit, ACH transfers, and linking Venmo, PayPal, or Cash App accounts.

Lili simplifies banking for solo entrepreneurs with its efficient approval process and comprehensive, fee-free features.

Open a Lili account now!

NorthOne | No Credit Check Business Account

NorthOne is a digital bank designed for small businesses with 1-10 employees, offering a simplified application process and business checking accounts without credit checks.

Key Features

  • No Fees: Free accounts with no monthly fees, minimum balances, NSF fees, or ACH transfer fees. Only wire transfers cost $15, and sending physical checks from your phone is just $1.
  • Cards & ATMs: Free business Mastercard debit cards, unlimited virtual cards, and access to over 40,000 ATMs nationwide for cash deposits and withdrawals.
  • Integrations & Perks: Connects with 100+ popular tools and provides over $5,000 in SMB software discounts. Includes free bill payment and sales analytics software.
  • Fast Transactions: Utilizes Same Day ACH and Real-Time Payments for immediate deposit clearance from platforms like Amazon and PayPal.
  • Financial Automation: Automates invoice and bill payments with AI-powered approvals, offers real-time revenue and sales analytics by linking to e-commerce and POS systems, and integrates with apps like PayPal, Stripe, QuickBooks, and more for seamless transaction management.

Application Process

  • Accounts are approved within one to two business days.
  • Provide your name, address, and SSN or EIN, and possibly business licenses.
  • A $50 minimum deposit is required.

NorthOne is a highly competitive business banking solution for entrepreneurs and small business owners, offering comprehensive services without the hassle of fees or credit checks.

Open a NorthOne account today!

Varo Bank

Varo Bank offers a modern, user-friendly checking account that appeals to digitally savvy consumers seeking flexibility and low fees. Key features include:

  • No Monthly Fees or Minimum Balance: Varo eliminates common banking fees, making it accessible for individuals who prefer to avoid unnecessary charges.
  • Early Direct Deposit: Customers can receive their paychecks up to two days earlier than traditional banks, enhancing cash flow and financial planning.
  • Extensive ATM Network: Access to over 55,000 fee-free ATMs nationwide ensures convenient cash withdrawals without additional costs.
  • High-Yield Savings Integration: Varo provides competitive interest rates on savings accounts, allowing users to grow their money more effectively.
  • Intuitive Mobile App: The app offers robust budgeting tools, real-time transaction alerts, and seamless money transfers, enhancing overall financial management.
  • Cashback Rewards: Users can earn cashback on everyday purchases, adding extra value to their spending.

While Varo excels in digital banking, it lacks physical branches, which might be a drawback for those who prefer in-person services. Additionally, customer support is primarily handled online or via phone, which may not suit everyone’s preferences.

Overall, Varo Bank’s checking account is an excellent choice for individuals seeking a fee-free, flexible, and technologically advanced banking solution. Its combination of essential banking features and innovative tools makes it a strong contender in the online banking space.

Learn More

Wells Fargo Bank

The Wells Fargo Clear Access Banking account is designed for individuals seeking a straightforward and affordable banking experience. This checkless account is especially suitable for young adults and anyone looking to avoid overdraft fees, offering financial flexibility without the complexities of traditional checking accounts.

This account does not charge overdraft or non-sufficient funds (NSF) fees, providing peace of mind when managing funds. With low monthly fees and simple ways to waive them, Wells Fargo Clear Access Banking makes managing money easier, whether you’re just starting with a bank account or prefer a no-frills option.

Key Features:

  • Access to over 12,000 Wells Fargo ATMs nationwide
  • No overdraft or NSF fees—transactions are declined if funds are insufficient
  • $5 monthly service fee, which can be waived for account holders aged 13-24
  • Send and receive money with Zelle® to other U.S. bank accounts
  • Available to individuals as young as 13 years old with an adult co-owner
  • No checks are issued or accepted—ideal for digital transactions and card use
  • No minimum opening deposit required
  • Available in all 50 states and Washington, DC

This account is perfect for those who want to avoid overdraft fees, enjoy easy access to funds through mobile and digital banking, and prefer a simplified banking experience.

Learn More

Did we leave your financial institution off this list of The Best Second Chance Banks? Has there been a change in any of the listings? Please let us know.

Additional Chime Disclaimers: Back to Chime ReviewChime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1Eligibility requirements apply. Overdraft only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200 by Chime. See chime.com/spotme.

2Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Cash deposit or other third-party fees may apply.

3Customers are limited to three $1,000 cash deposits at Walgreens each day and $10,000 each month.

4Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

5Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. Once you are approved for a Chime Checking Account, see your issuing bank’s Deposit Account Agreement for full Pay Anyone Transfers details. Please see the back of your Chime debit card for your issuing bank. See Terms and Conditions.

6The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

Additional Found Disclaimers: Back to Found Review

1Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed.

2Found is a financial technology company, not a bank. Business banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard Business debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

Additional Upgrade Disclaimers: Back to Upgrade ReviewRewards Checking Plus is FDIC-insured up to $250,000 through Cross River Bank, Member FDIC.

1Rewards Checking Plus customers who set up monthly direct deposits of $1,000 or more earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars – including deliveries – and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

2There are no overdraft fees or annual fees. Optional out-of-network ATM withdrawals are subject to a fee of $2.50, plus any third-party fees. Debit card transactions with merchants outside the U.S. or in a foreign currency are subject to a 3% fee. Outbound domestic wire transfers are subject to a fee of $20 after your first fee-free transfer per calendar month. Please refer to the applicable Cross River Bank Checking Deposit Account Agreement and Upgrade Visa® Debit Card Agreement and Disclosures for more information.

3Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

Additional Current Disclaimers: Back to Current Review

1Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required. Additional product disclosures can be found here.

Additional Walmart MoneyCard Disclaimers: Back to Walmart Review

1Family Accounts: Activated, personalized card required. Other fees apply to the additional account. Family members age 13 years and over are eligible. Limit 4 cards per account. See Deposit Account Agreement for details.

2Cash back, up to $75 per year, is credited to card balance at end of reward year and is subject to successful activation and other eligibility requirements. Redeem rewards using our website or app. You will earn cash back of three percent (3%) on qualifying purchases made at Walmart.com and in the Walmart app using your card or your card number, two percent (2%) at Walmart fuel stations, and one percent (1%) on qualifying purchases at Walmart stores in the United States (less returns and credits) posted to your Card during each reward year. Grocery delivery and pickup purchases made on Walmart.com or the Walmart app earn 1%. For the purposes of cash back rewards, a “reward year” is twelve (12) monthly periods in which you have paid your monthly fee or had it waived. See account agreement for details.​

3Interest is paid annually on each enrollment anniversary based on the average daily balance of the prior 365 days, up to a maximum average daily balance of $1,000, if the account is in good standing and has a positive balance. 2.00% Annual Percentage Yield may change at any time before or after account is opened. Annual Percentage Yield is accurate as of 5/15/23.

4Direct Deposit: Early availability of direct deposit depends on timing of payroll’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Make sure the name and social security number on file with your employer or benefits provider matches what’s on your Walmart MoneyCard account exactly. We will not be able to deposit your payment if we are unable to match recipients.

5Opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about overdraft protection.

6No monthly fee with qualifying direct deposit, otherwise $5.94 a month. Waived when $500+ is loaded in the previous monthly period. First monthly fee occurs upon first use, the day after card activation or 90 days after card purchase, whichever is earlier.

Second Chance Banks in Oklahoma | CheckingExpert.com (2024)
Top Articles
Latest Posts
Recommended Articles
Article information

Author: Tuan Roob DDS

Last Updated:

Views: 5309

Rating: 4.1 / 5 (42 voted)

Reviews: 89% of readers found this page helpful

Author information

Name: Tuan Roob DDS

Birthday: 1999-11-20

Address: Suite 592 642 Pfannerstill Island, South Keila, LA 74970-3076

Phone: +9617721773649

Job: Marketing Producer

Hobby: Skydiving, Flag Football, Knitting, Running, Lego building, Hunting, Juggling

Introduction: My name is Tuan Roob DDS, I am a friendly, good, energetic, faithful, fantastic, gentle, enchanting person who loves writing and wants to share my knowledge and understanding with you.