Have you tried to open an account at a bank and been told that you do not meet their bank guidelines?  If you have poor financial credit, many banks will consider you a risk. This includes when you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.

Luckily, however, there are banks and credit unions often called ‘last chance banks’ or ‘non-ChexSystems banks’ which provide services to customers with bad credit. These financial institutions accept you, knowing that you are a risk. Sometimes, this means that they may require a deposit to be held in reserve, in case of NSF fees, etc. or it may mean that they require some form of collateral. Either way, you are able to rebuild your credit by using these alternative banks or credit unions. After you have endured five years, you are removed from the blacklist of ChexSystems banks. You can then open up a traditional baking account.

Oklahoma has several financial institutions that are Non ChexSystems Banks. You may want to start with these and see if they can provide the services you are looking for.

Please note that the information about non chexsystems banks changes each year (even month). We cannot guarantee any of the banks listed won’t do a non chexsystems check (though at the time of compiling, these banks don’t require a chexsystems check). You will have to call the banks to see.

If you don’t want to spend the time and effort trying to open a Non ChexSystems Account, this company can help you find an alternative checking account solution.

Also make sure to check out our updated list of Non ChexSystems banks.

Non Chexsystems Banks in Oklahoma

BOK Financial (918) 588-6000

City National Bank                             (580) 355-3580

Exchange National Bank                    (405) 794-5511

First National Bank (800) 310-3576

Fort Sill National Bank (800) 749-4583

Stillwater National Bank & Trust (888) 762-4762

Allegiance Credit Union                                  Fresh Start Checking

Bank of Oklahoma                                            Opportunity Checking

Citizens Bank of Edmond                                Fresh Start Checking

Oklahoma Educators Credit Union               Fresh Start Checking

Oklahoma Employees Credit Union               Fresh Start Checking

TTCU The Credit Union                                    Fresh Start Checking

Weokie (Credit Union)                                      Second Chance Checking

Western Sun Federal Credit Union                Fresh Start Checking

More Non ChexSystems Banks in the US by State

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC