<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=302996526730507&amp;ev=PageView&amp;noscript=1">
bank from anywhere with Allegiance checking accounts

Best Checking Accounts in OK

For All Who Want More

Earn rewards your way. Choose a Checking Account that suits your lifestyle.

Checking Account Interest Rates

Earn interest on your Checking Account balance or cash back by swiping your Debit Card.

Checking Account
APY*
Disclosures
Cash
1.00%
Based on terms & conditions
Cash Back
5% Cash Back
Based on terms & conditions
Second Chance Checking
0.00%
Non-dividend account
Effective Date December 2, 2024
*APY = Annual Percentage Yield. $25 minimum to open. Additional disclosures below.

Discover The Best Checking Account For You

Choose which Checking Account is right for you. Whether you're looking for cash back, a second chance, or ATM fee refunds, Allegiance Credit Union checking accounts have a lot to offer!

Cash Checking Account

Earn interest on your Checking Account balance. With no monthly service fees and refunds on ATM charges, this could be the Checking Account for you! 

  • Earn 1.00% APY* on balances up to $20,000.
  • Earn 0.05% APY* on balances over $20,000.
  • Earn 0.05% APY* if qualifications aren't met.

No minimum balance is required to earn rewards. Just have at least 15 debit card transactions, at least 1 qualifying deposit or ACH, and be enrolled in estatements. View Monthly Qualification Cycle Dates here.

Apply Now

Cash Back Checking Account

Earn rewards when you swipe your Debit Card. You'll get 5% cash back on purchases made with your Allegiance Credit Union Debit Card each month. 

  • Earn 5.00% cash back on up to $200 in debit card purchases per month.

There are no category restrictions on purchases and no minimum balance to earn rewards. Just have at least 15 debit card transactions, at least 1 qualifying deposit or ACH, and be enrolled in estatements.  View Monthly Qualification Cycle Dates here.

A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle.

Apply Now

Second Chance Checking Account

If you've been denied a Checking Account in the past, this may be the second chance you're looking for! Rebuild your money management skills with our Second Chance Checking Account.

  • $25 Minimum Opening Deposit
  • Unlimited Debit Card Transactions
  • Access to Free Financial Resources
  • $12 Monthly Fee*

Boost your money management skills and get your finances back on track with a second chance from Allegiance Credit Union.

*All monthly service fees will be refunded if no non-sufficient fund (NSF) fees are incurred in the first 12 months. You will then be upgraded to the free checking account of your choice.

 

Learn More
  • Cash Checking Account

    Earn interest on your Checking Account balance. With no monthly service fees and refunds on ATM charges, this could be the Checking Account for you! 

    • Earn 1.00% APY* on balances up to $20,000.
    • Earn 0.05% APY* on balances over $20,000.
    • Earn 0.05% APY* if qualifications aren't met.

    No minimum balance is required to earn rewards. Just have at least 15 debit card transactions, at least 1 qualifying deposit or ACH, and be enrolled in estatements. View Monthly Qualification Cycle Dates here.

    Apply Now

Cash Checking Account

Earn interest on your Checking Account balance. With no monthly service fees and refunds on ATM charges, this could be the Checking Account for you! 

  • Earn 1.00% APY* on balances up to $20,000.
  • Earn 0.05% APY* on balances over $20,000.
  • Earn 0.05% APY* if qualifications aren't met.

No minimum balance is required to earn rewards. Just have at least 15 debit card transactions, at least 1 qualifying deposit or ACH, and be enrolled in estatements. View Monthly Qualification Cycle Dates here.

Apply Now

For All Who Need More Freedom, Not Fees

Rewards Checking Account Benefits

Whether you choose to earn dividends on your Checking Account balance or cash back on your purchases, our checking account perks don't stop there! We believe in putting our members first, and that means banking your way with fewer fees!

Allegiance Debit Card Options

EARLY PAYCHECK

No need to wait until the effective date. We post your paycheck right away!

ATM FEE REFUNDS

Get refunds on your ATM withdrawal fees, nationwide, up to $20 each month.*

NO MONTHLY SERVICE FEES

Earn rewards without the fees on our Cash or Cash Back Checking Accounts. 

EASY ACCESS 24/7

Bank on your time with digital banking and our surcharge-free ATM network. 
Older Friend Group

For All Your Friends And Family

Get Paid to Refer Your Friends

Allegiance Credit Union members can earn $50 for referring friends and family! If they open a new Checking Account, your rewards will be automatically deposited within 30 days.

There are NO LIMITS to how many friends you can refer. Just tell your friends and family to mention your name at account opening either in-branch or online.

Download Your Free Copy!

If You Need A Budget, Look No Further

Explore how our monthly budget template can help you take the first step toward saving for the boat you've always wanted!

If You Need a Budget Look No Further by Allegiance Cover Art

Oklahoma City Debit Card Designs

We're proud to be from Oklahoma City, and your Debit Card can show that you are too! 
Choose the Debit Card design that suits your lifestyle from the 8 design options below.

New Cards: If opening your account in-branch, simply let us know which one you prefer at the time of account opening. All online accounts will receive the Allegiance For All card.

Replacement Cards: Stop by any of our locations to instantly receive your replacement card, or call to order your new card.

Close up of person signing paperwork

For All Who Want Payday To Come Early

How to Set-up Direct Deposit

Direct deposit is the fastest way to get your paycheck into your Checking Account. We process items from the Federal Reserve as soon as we receive them, so you can get your paycheck up to two days early when you set up Direct Deposit.

  • Online Setup
    Some employers offer simple setup online. Check with your payroll or human resources department.
  • Federal Deposits
    If you receive Social Security, VA, or other federal funds by paper check, you can set up direct deposit at GoDirect.gov

You'll usually need your account number and our routing number (303085230) to set up Direct Deposit. Talk to your payroll or human resources department to enroll today!

testimonial-img

What Our Members
Are Saying

“Great experience! Very pleasant and knowledgeable. Very very helpful! Eduardo at the main office was especially helpful. I am moving all my banking here! Thank you for the excellent service!”

Lori P.

“I like my bank and the service they provide. Always helpful with any concerns regarding my checking account.”

Alicia R.

Additional Checking Resources

Get the best deal possible when opening a checking account

Bank Like a Boss: Tips on Picking the Best Checking Account

Most individuals understand the importance of having a good checking account with a financial...

Read More
father and mother building a jenga tower with little girl

Is it Time to Open a Checking or Savings Account for Your Children?

According to a recent survey, only five percent of adults received any kind of financial education...

Read More

Tips for Keeping Your Checking Account Balanced

A checking account is a contractual relationship between you and your financial institution, with...

Read More

Frequently Asked Checking Questions

Will my direct deposit always arrive early?

Early direct deposits depend on timing—your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive to us early, expect it to arrive on your scheduled payday.

Is there a fee if I don't meet the monthly rewards qualifications?

There are no penalties if you do not qualify for the monthly rewards. You can keep using your checking account and try again next month! 

What if I've been denied checking accounts at other financial institutions?

If you've had an unfortunate experience with a checking account in the past, we may be able to help. Learn more about our Second Chance Checking. 

Member Referral Program:
Members can earn $50 if their referral generates a new Cash, Cash Back, or Second Chance Checking account. New account holder must mention the name of the person who referred them at account opening in-branch or on their online application. Cash bonus  will be deposited to referring member's account within 30 days of account opening. Offer may be withdrawn at any time without notice.

Cash:
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions and transfers between accounts. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
Reward Information: When your Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000.00 receive APY of 1.00%; and balances over $20,000.00 earn .05% interest rate on the portion of balance over $20,000.00 (2) you will receive reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Cash qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 12/2/2024. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. A minimum deposit of $25 is required to open the account. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives at 405-789-7900 for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. 

Cash Back:
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions and transfers between accounts. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
Reward Information: When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5% cash back on up to a total of $200 in debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. Minimum $25 deposit is required to open the account. Monthly receipt of electronic statements is a condition of this accounts. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives at 405-789-7900 for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. 

Qualification Dates

Month-Year Cycle Start Date Cycle End Date
Jan 2025 December 31, 2024 January 30, 2025
Feb 2025 January 31, 2025 February 27, 2025
Mar 2025 February 28, 2025 March 30, 2025
Apr 2025 March 31, 2025 April 29, 2025
May 2025 April 30, 2025 May 29, 2025
Jun 2025 May 30, 2025 June 29, 2025
July 2025 June 30, 2025 July 30, 2025
Aug 2025 July 31, 2025 August 28, 2025
Sept 2025 August 29, 2025 September 29, 2025
Oct 2025 September 30, 2025 October 30, 2025
Nov 2025 October 31, 2025 November 27, 2025
Dec 2025 November 28, 2025 December 30, 2025