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Three Checking Account Options

Kasasa Cash Back® Checking

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Receive cash back on purchases made with your debit card every month! Qualifications and restrictions apply.
Apply Now

Kasasa Cash® Checking

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

Second Chance Checking

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If you’ve been denied a Checking Account in the past we may be able to help!
Learn More
THREE GREAT CHOICES

Right For You

Woman Holding iPhone
Free Online and Mobile Banking
Manage your account and bills from anywhere!
Person Using Laptop Computer Holding Card
Early Direct Deposit
If we receive your deposit early we get it posted right away, rather than waiting until the effective date.
Woman in Orange Using ATM
ATM Access
Surcharge-Free ATMs and refunds available. See above for details.
Earn interest
If earning a competitive rate on your account balance is your goal, the KASASA CASH® Checking Account is for you!
Cash back on purchases
If you want to earn cash back by swiping your debit card, the KASASA CASH BACK® Checking Account is what you’re looking for!
Second chances
If you need a second chance to show your money skills, this account is the best choice.
Have questions?
If you’re not sure which Checking Account is right for you give us a call and we can help!
APPLY NOW
Woman Holding iPhone
Free Online and Mobile Banking
Manage your account and bills from anywhere!
Person Using Laptop Computer Holding Card
Early Direct Deposit
If we receive your deposit early we get it posted right away, rather than waiting until the effective date.
Woman in Orange Using ATM
ATM Access
Surcharge-Free ATMs and refunds available. See above for details.

Compare Checking Accounts

Rewards are simple to earn when you do the following each month:

  • Have at least 15 debit card purchases post and settle
  • Have at least 1 direct deposit, ACH credit, ACH payment, or mobile deposit transaction post and settle
  • Be enrolled in and agree to receive eStatements

View Monthly Qualification Cycle Dates here.

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Rewards
Monthly Service Fee
Free ATMs?
Unlimited Check Writing and Debit Card Transactions
Free Online Banking & Bill Pay
Free Debit Card
Free Text Alerts
Minimum Opening Deposit
KASASA CASH®
Earn higher interest rates on larger balances.
Rewards
  • Earn 0.50% APY* on balances up to $20,000
  • Earn 0.05% APY on balances over $20,000*
  • 0.05% APY* if qualifications aren’t met

 

No minimum balance to earn rewards.

Monthly Service Fee
$0
Free ATMs?
Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
Unlimited Check Writing and Debit Card Transactions
Free Online Banking & Bill Pay
Free Debit Card
Free Text Alerts
Minimum Opening Deposit
$25
KASASA CASH BACK®
Get cash back on debit card purchases.
Rewards
  • 3% cash back on debit card purchases up to $9 cash back per month, $108 per year

No category restrictions on purchases.

No minimum balance to earn rewards.

Monthly Service Fee
$0
Free ATMs?
Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
Unlimited Check Writing and Debit Card Transactions
Free Online Banking & Bill Pay
Free Debit Card
Free Text Alerts
Minimum Opening Deposit
$25
SECOND CHANCE
A second chance at responsible money management.
Rewards

Not Applicable

No minimum balance requirements

Monthly Service Fee
$12
Free ATMs?

Nationwide surcharge-free ATMs via the TransFund Network.

Surcharge-free ATMS via the Oklahoma Credit Union Service Centers.

Unlimited Check Writing and Debit Card Transactions

Unlimited debit card transactions (checks not available)

Free Online Banking & Bill Pay
Free Debit Card
Free Text Alerts
Minimum Opening Deposit
$25

Checking Account Rates

Cash and Cash Back Checking Accounts offer great rates and rewards options!
APPLY NOW

APY = Annual Percentage Yield.

$25 minimum to open.

Additional disclosures below.

Checking Account Rates
Checking Account
APY*
Disclosures
Checking Account
Kasasa Cash
APY*
0.50%
Disclosures
Based on terms & conditions
Checking Account
Kasasa Cash Back
APY*
3% Cash Back
Disclosures
Based on terms & conditions
Checking Account
Second Chance Checking
APY*
0.00%
Disclosures
Non-dividend account
Effective December 6, 2021

APY = Annual Percentage Yield.

$25 minimum to open.

Additional disclosures below.

 

businesswoman signing check
YOU’LL NEED TO KNOW...

How to Set-up Direct Deposit

Direct deposit is the fastest way to get your paycheck into your checking account. Because we process items from the Federal Reserve as soon as we receive them, your direct deposit can effectively get your paycheck into your checking account up to two days early.

If you are receiving Social Security, VA or other federal benefits by paper check, you can have your direct deposit set up by going to GoDirect.gov.

If you are not a federal employee, you need to contact your payroll or human resources department. The human resources department will usually need your account number and our routing number: 303085230. 

Some employers have the ability to set up direct deposit online. Check with your payroll or human resources department.

SUCCESSFUL BUDGETING

Claim your FREE copy!

What this guide includes:

Free budgeting templates and expert tips.

Money-saving tips and templates to help you manage your monthly budget successfully.

  1. Why you need a budget
  2. Keeping track of your expenses
  3. Setting realistic savings goals 
  4. Ways to stretch your budget
  5. Growing emergency savings 

FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

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.

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

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

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Free Financial Resources

Access to free blogs, worksheets and eBooks on everything you need to achieve financial freedom.

Kasasa 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 Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000.00 receive APY of 0.50%; 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 Kasasa 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 Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 3/31/2021. 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. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa 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 Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on up to a total of $300 in debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 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 Kasasa 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 Kasasa 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. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. 

Qualification Dates

Month - Year
Cycle Dates
Processing Date
Jan - 2022
Dec 31, 2021 - Jan 30, 2022
Jan 31, 2022
Feb - 2022
Jan 31  - Feb 27
Feb 28, 2022
Mar - 2022
Feb 28 - Mar 30
Mar 31, 2022
Apr - 2022
Mar 31 - Apr 27
Apr 28, 2022
May - 2022
TBD
TBD
Jun - 2022
TBD
TBD
Jul - 2022
TBD
TBD
Aug - 2022
TBD TBD
Sep - 2022
TBD TBD
Oct - 2022
TBD TBD
Nov - 2022
TBD TBD
Dec - 2022
TBD
TBD

Second Chance Checking:
*All monthly service fees will be refunded if no NSF fees are incurred in the first 12 months. You will then be upgraded to the checking account of your choice.

Qualifications and restrictions apply.