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Second Chance Checking Features

Low-Cost Checking

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For only $12 a month you can have access to a bank account despite issues you may have had in the past + the chance to have those monthly service fees refunded.*
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Free Services

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Free Online and Mobile Banking, Bill Pay, eStatements, Text Alerts, and access to surcharge-free ATMs!
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Unlimited Debit Card Transactions

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Debit cards come free with the account and there are no limitations on how you spend your money!
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GET BACK ON TRACK

The Best Second
Chance Checking

If you’ve fallen on hard times or had a few money management mistakes in the past we can help! This low-cost Checking Account is designed for responsible Oklahomans who have had an unfortunate experience with checking in the past.

Even if you’ve been in trouble with ChexSystems at another financial institution, we may be able to help.
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YOUR FINANCIAL COMEBACK

Get Ready For An Epic Comeback!

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You’ve Got This
Confidence and discipline is all that it takes!
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We’re Here To Help
We’re here any time to answer questions and help.
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Remove Limitations
You’ll have a Checking Account to sign up for utilities and services.
Money Management
Stay on top of your finances 24/7 with online banking and our mobile app.
Account Upgrade
Receive a free traditional Checking Account after 12 months with no NSF fees.
Privacy Is Honored
Your debit card looks like everyone else's, no mention of “second chance”.
Start Today
Why wait? Start on the road to money management success today!
APPLY NOW
man standing on cliff looking off to the sky
You’ve Got This
Confidence and discipline is all that it takes!
two woman at conference table talking
We’re Here To Help
We’re here any time to answer questions and help.
man reparing electrical wires
Remove Limitations
You’ll have a Checking Account to sign up for utilities and services.
Build Your Credit Score

Claim your FREE copy!

How Can I Raise My Credit Score in 30 Days?

Fill out the form to download a free copy of your credit building checklist!

This checklist contains 12 easy steps to help build your credit score. It is a handy and informative list that our experts have put together to help you achieve your financial success.

Second Chance Checking FAQs

Have more questions?

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

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There is a $12 monthly fee. However, 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 checking account of your choice.

Yes, you can apply to open your account online using our Deposit Account Application!

If you meet membership and account qualifications, past banking mistakes shouldn’t keep you from banking with us.

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Free Financial Calculators

Access our complete library of both loan and deposit calculators.

CHECK THEM OUT!