Second Chance Checking Features
Low-Cost Checking
LEARN MORE +For only $12 a month you can have access to a bank account despite issues you may have had in the past.
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Free Services
LEARN MORE +Free Online and Mobile Banking, Bill Pay, eStatements, Text Alerts, and access to surcharge-free ATMs!
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Unlimited Debit Card Transactions
LEARN MORE +Debit cards come free with the account and there are no limitations on how you spend your money!
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ACCOUNT DETAILS
Second Chance Checking Details
- $12 monthly service fee*
- No minimum balance requirements
- Unlimited debit card transactions (checks are not available)
- Free online and mobile banking
- Free Visa® debit card
- Surcharge-free ATMs thru the TransFund ATM Network
- $25 minimum deposit to open
Qualifications and restrictions apply.



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.
Even if you’ve been in trouble with ChexSystems at another financial institution, we may be able to help.
YOUR FINANCIAL COMEBACK
Get Ready For An Epic Comeback!

You’ve Got This
Confidence and discipline is all that it takes!

We’re Here To Help
We’re here any time to answer questions and help.

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!

You’ve Got This
Confidence and discipline is all that it takes!

We’re Here To Help
We’re here any time to answer questions and help.

Remove Limitations
You’ll have a Checking Account to sign up for utilities and services.
FAQ
Have more questions?
We are here to answer all of your questions. Let us know how we can help!
- How much is the fee for Second Chance Checking Account?
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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.
- Can I open an account online?
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Yes, you can apply to open your account online using our Deposit Account Application!
- Can I qualify for a Second Chance Checking Account if I owe money to another financial institution?
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If you meet membership and account qualifications, past banking mistakes shouldn’t keep you from banking with us.

Free Financial Calculators
Access our complete library of both loan and deposit calculators.