Best Checking Accounts
Three Checking Account Options
Kasasa Cash Back® Checking
LEARN MORE +Kasasa Cash® Checking
LEARN MORE +Second Chance Checking
LEARN MORE +THREE GREAT CHOICES
Right For You



Earn interest
Cash back on purchases
Second chances
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Compare Checking Accounts
Earn $250 by opening a Cash or Cash Back Checking account!
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
KASASA CASH®
- 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.
KASASA CASH BACK®
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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.
SECOND CHANCE
Not Applicable
No minimum balance requirements
Nationwide surcharge-free ATMs via the TransFund Network.
Surcharge-free ATMS via the Oklahoma Credit Union Service Centers.
Unlimited debit card transactions (checks not available)
Checking Account Rates
APY = Annual Percentage Yield.
$25 minimum to open.
Additional disclosures below.
APY = Annual Percentage Yield.
$25 minimum to open.
Additional disclosures below.

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 potentially 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.
DEBIT CARD DESIGNS
Debit card designs that match your lifestyle and personality!
Replacement Cards: Browse the card designs here and then stop by our Main Branch, Edmond Branch, or South Branch and we'll issue you a new card instantly. You can also call to order a new card.
SWITCHING IS FAST AND EASY
It's Easy To Switch Checking Accounts
ClickSWITCH will use your old Checking Account to find and move all recurring transactions to your new Allegiance Checking Account for you. You’ll receive a notification each time a recurring transaction is switched and when it’s complete you’ll be ready to close your old account. It’s that simple.
You’ll spend minutes switching accounts instead of hours calling every business and subscription service making the change.
The hassle of switching is gone so open your new Checking Account today!


Checking Account FAQs
We are here to answer all of your questions. Let us know how we can help!
- Will my direct deposit always arrive early?
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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 KASASA rewards qualifications?
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There are no penalties if you do not qualify. You can keep using your checking account and try again next month!
- What if I've been denied checking accounts at other financial institutions?
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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.

Access to free blogs, worksheets and eBooks on everything you need to achieve financial freedom.
$250 Promotion Qualifications:
*Qualifications and restrictions apply. Offer applies to Kasasa Cash and Kasasa Cash Back Checking accounts opened after February 13, 2023. Account must meet the monthly qualifications for rewards the first two months of being open. Cash bonus will be deposited into member’s account 90 days after account opening. Limit of one account per SSN or ITIN. Account must be in good standing. Offer may be withdrawn at any time without notice.
Member Referral Program:
Members can earn $50 if their referral generates a new Kasasa Cash or Kasasa Cash Back 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.
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 - 2023
|
Dec 30, 2022 - Jan 30, 2023
|
Jan 31, 2023
|
Feb - 2023
|
Jan 31 - Feb 27
|
Feb 28, 2023
|
Mar - 2023
|
Feb 28 - Mar 30
|
Mar 31, 2023
|
Apr - 2023
|
Mar 31 - Apr 27
|
Apr 28, 2023
|
May - 2023
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April 28 - May 30
|
May 31, 2023
|
Jun - 2023
|
May 31 - June 29 |
June 30, 2023
|
Jul - 2023
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June 30 - July 30
|
July 31, 2023 |
Aug - 2023
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July 31 - Aug 30 | Aug 31, 2023 |
Sep - 2023
|
Aug 31 - Sept 28 | Sept 29, 2023 |
Oct - 2023
|
Sept 29 - Oct 30 | Oct 31, 2023 |
Nov - 2023
|
Oct 31 - Nov 29 | Nov 30, 2023 |
Dec - 2023
|
Nov 30 - Dec 28
|
Dec 29, 2023
|
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.