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Best Checking Accounts & Rates in Oklahoma - April 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 11, 2026

The best checking rates for Oklahoma include Credit Union One Of Oklahoma Credit UnionCredit Union One Of Oklahoma Credit Union3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406A+5.0 ★Texas Ratio: 3.70% Investor Checking with Stock Rewards at 5.12% APY, FNB Community BankFNB Community Bank2911 S Air Depot Blvd, Midwest City, OK 73110B+4.8 ★Texas Ratio: 17.57% Rewards Checking at 5.00% APY, Communication Federal Credit UnionCommunication Federal Credit Union427 NW 6th St, Oklahoma City, OK 73102 2804A5.0 ★Texas Ratio: 7.85% Performance Checking at 4.00% APY, Security Bank Tulsa, OKSecurity Bank Tulsa, OK10727 E 51st St, Tulsa, OK 74146A5.0 ★Texas Ratio: 8.37% Security Platinum 55 Checking at 2.89% APY, and Vast BankVast Bank110 N Elgin Ave, Tulsa, OK 74120A+5.0 ★Texas Ratio: 4.77% Rewards Checking at 2.50% APY. Checking account rates as of April 11, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across Oklahoma side-by-side. Oklahoma checking rates currently reach as high as 5.12% APY from Credit Union One Of Oklahoma Credit Union at 3330 N Lincoln Blvd, Oklahoma City, OK, 73105 5406. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Oklahoma. Checking Account Rates Last Updated and Verified: April 11, 2026

Compare Checking Account Rates Today in Oklahoma

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
Investor Checking with Stock Rewards
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

FNB Community Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
2911 S Air Depot Blvd
Midwest City, OK 73110
Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $10,000.00

Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
427 NW 6th St
Oklahoma City, OK 73102 2804
Performance Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $30,000.00

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
SavvySpender Checking (Minor Checking)
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$100.00 - $1,000.00

Security Bank Tulsa, OK
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
10727 E 51st St
Tulsa, OK 74146
Security Platinum 55 Checking
2.89%
$100
View
▼
Rate2.85%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Security Bank Tulsa, OK
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
10727 E 51st St
Tulsa, OK 74146
Security Bonus Checking
2.89%
$100
View
▼
Rate2.85%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.01

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
Rewards Checking with MyRewards
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
110 N Elgin Ave
Tulsa, OK 74120
Rewards Checking
2.50%
$100
View
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

Commercial Bank (CBTN)
Institution Rating:
A+5.0 ★
, OK
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
220 N Main St
Helena, OK 73741
Gateway Premier Interest Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

No additional details provided.

Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
709 E Prospect Ave
Ponca City, OK 74601
ePower Checking
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifying balance up to $25,000.00

Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
101 N WALKER AVE
OKLAHOMA CITY, OK 73102 2229
Super Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
9601 N May Ave
Oklahoma City, OK 73120
Freedom Checking
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
9601 N May Ave
Oklahoma City, OK 73120
Freedom Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

FNB Community Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
2911 S Air Depot Blvd
Midwest City, OK 73110
NOW Checking
0.50%
$1,500
View
▼
Rate0.50%
Min Deposit$1,500
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
9601 N May Ave
Oklahoma City, OK 73120
Freedom Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Red River Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.10%
2721 N Main St
Altus, OK 73521
Platinum Checking
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Red River Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.10%
2721 N Main St
Altus, OK 73521
Platinum Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N
Owasso, OK 74055
Priority Checking Checking Accounts
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N
Owasso, OK 74055
Priority Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
Investor Checking with Stock Rewards
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

FNB Community Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
2911 S Air Depot Blvd
Midwest City, OK 73110
Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $10,000.00

Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
427 NW 6th St
Oklahoma City, OK 73102 2804
Performance Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $30,000.00

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
SavvySpender Checking (Minor Checking)
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$100.00 - $1,000.00

Security Bank Tulsa, OK
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
10727 E 51st St
Tulsa, OK 74146
Security Bonus Checking
2.89%
$100
View
▼
Rate2.85%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.01

Security Bank Tulsa, OK
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
10727 E 51st St
Tulsa, OK 74146
Security Platinum 55 Checking
2.89%
$100
View
▼
Rate2.85%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
Rewards Checking with MyRewards
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
110 N Elgin Ave
Tulsa, OK 74120
Rewards Checking
2.50%
$100
View
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

Commercial Bank (CBTN)
Institution Rating:
A+5.0 ★
, OK
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
220 N Main St
Helena, OK 73741
Gateway Premier Interest Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

No additional details provided.

Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
709 E Prospect Ave
Ponca City, OK 74601
ePower Checking
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifying balance up to $25,000.00

Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
101 N WALKER AVE
OKLAHOMA CITY, OK 73102 2229
Super Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Red River Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.10%
2721 N Main St
Altus, OK 73521
Platinum Checking
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Frontier State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
5100 S I 35 Service Rd
Oklahoma City, OK 73129
Interest Checking
0.40%
$100
View
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Red River Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.10%
2721 N Main St
Altus, OK 73521
Platinum Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

American Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
301 North Choctaw
Beggs, OK 74421
Interest Checking
0.30%
$100
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

American Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
301 North Choctaw
Beggs, OK 74421
Interest Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
601 Harrison St
Pawnee, OK 74058
Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
9323 E 21st St
Tulsa, OK 74129 1400
Interest Rewards Checking
0.15%
$25
View
▼
Rate0.15%
Min Deposit$25
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
220 N Main St
Helena, OK 73741
Gateway Premier Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Minimum Balance up to $1,499.99

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
Investor Checking with Stock Rewards
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

FNB Community Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
2911 S Air Depot Blvd
Midwest City, OK 73110
Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $10,000.00

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
Rewards Checking with MyRewards
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
110 N Elgin Ave
Tulsa, OK 74120
Rewards Checking
2.50%
$100
View
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

Commercial Bank (CBTN)
Institution Rating:
A+5.0 ★
, OK
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

Employees Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
1120 W 17th St
Tulsa, OK 74107
Member Rewards Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
9323 E 21st St
Tulsa, OK 74129 1400
Interest Rewards Checking
0.15%
$25
View
▼
Rate0.15%
Min Deposit$25
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Employees Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
1120 W 17th St
Tulsa, OK 74107
Member Rewards Checking Account
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
9323 E 21st St
Tulsa, OK 74129 1400
Interest Rewards Checking
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Community Bank Bristow, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
104 S Main St
Bristow, OK 74010
Rewards Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
9323 E 21st St
Tulsa, OK 74129 1400
Interest Rewards Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Employees Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
1120 W 17th St
Tulsa, OK 74107
Member Rewards Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
9601 N May Ave
Oklahoma City, OK 73120
Freedom Checking
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
9601 N May Ave
Oklahoma City, OK 73120
Freedom Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
9601 N May Ave
Oklahoma City, OK 73120
Freedom Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1419 S Denver Ave
Tulsa, OK 74119
Regular (free), Second Chance, Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
4301 S INTERSTATE 44 SERVICE RD
OKLAHOMA CITY, OK 73119
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
3330 N Lincoln Blvd
Oklahoma City, OK 73105 5406
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
9323 E 21st St
Tulsa, OK 74129 1400
Teen Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

First Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1419 S Denver Ave
Tulsa, OK 74119
Regular (free), Second Chance, Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Legacy Bank Hinton, OK
Institution Rating:
F2.1 ★ Texas Ratio: 49.42%
101 W Main St
Hinton, OK 73047
Business Interest Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Designed for sole proprietorships and not-for-profits.

Peoples B&T Co. Ryan, OK
Institution Rating:
F2.9 ★ Texas Ratio: 40.20%
517 Washington Street
Ryan, OK 73565
Elite Business Checking
0.35%
$5,000
View
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

ACH per statement cycle

Washita State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
701 State Highway 44
Burns Flat, OK 73624
WSB Business Checking Account
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
9323 E 21st St
Tulsa, OK 74129 1400
Business Advantage Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
12411 E 96th St N
Owasso, OK 74055
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
322 S Main St
Broken Arrow, OK 74012
Business Interest Checking
0.12%
$0
View
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
322 S Main St
Broken Arrow, OK 74012
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★ Texas Ratio: 16.35%
110 W Oklahoma Ave
Anadarko, OK 73005
Commercial Checking Interest Bearing Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Community Bank Bristow, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
104 S Main St
Bristow, OK 74010
Commercial NOW Checking
0.10%
$1,500
View
▼
Rate0.10%
Min Deposit$1,500
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
322 S Main St
Broken Arrow, OK 74012
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
815 NW 58th St
Oklahoma City, OK 73118 5912
Business Rewards Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
322 S Main St
Broken Arrow, OK 74012
Business Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Oklahoma Checking Rate Trends

Compare local Oklahoma checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Oklahoma Checking Trends →
High-Yield Checking — OK Avg
4.625%
▼ 0.375 vs 7 days ago

Oklahoma high-yield checking rates fell 0.375 points over the past 7 days to 4.625% APY.

Free Checking — OK Avg
1.191%
▲ 0.280 vs 7 days ago

Oklahoma free checking rates rose 0.280 points over the past 7 days to 1.191% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Oklahoma directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Oklahoma. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in OK.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Oklahoma earn interest?

Most traditional local checking accounts in Oklahoma earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Oklahoma FDIC insured?

Yes. Legitimate banks with branches in Oklahoma are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Oklahoma

Based on our current data, some of the highest checking account APYs available to residents of Oklahoma include:
  • Credit Union One Of Oklahoma Credit Union
    Investor Checking with Stock Rewards — 5.12% APY
  • FNB Community Bank
    Rewards Checking — 5.00% APY
  • Communication Federal Credit Union
    Performance Checking — 4.00% APY
  • Security Bank Tulsa, OK
    Security Platinum 55 Checking — 2.89% APY
  • Vast Bank
    Rewards Checking — 2.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Oklahoma. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 11, 2026

Oklahoma Rates & Resources

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Checking Account Rates by City in Oklahoma

  • Achille
  • Ada
  • Adair
  • Adams
  • Addington
  • Afton
  • Agra
  • Albany
  • Albert
  • Albion
  • Alderson
  • Alex
  • Aline
  • Allen
  • Altus
  • Alva
  • Amber
  • Ames
  • Amorita
  • Anadarko
  • Antlers
  • Apache
  • Arapaho
  • Arcadia
  • Ardmore
  • Arkoma
  • Arnett
  • Asher
  • Atoka
  • Atwood
  • Avant
  • Balko
  • Barnsdall
  • Bartlesville
  • Battiest
  • Beaver
  • Beggs
  • Bennington
  • Bessie
  • Bethany
  • Bethel
  • Big Cabin
  • Billings
  • Binger
  • Bison
  • Bixby
  • Blackwell
  • Blair
  • Blanchard
  • Blanco
  • Blocker
  • Bluejacket
  • Boise City
  • Bokchito
  • Bokoshe
  • Boley
  • Boswell
  • Bowlegs
  • Bowring
  • Boynton
  • Bradley
  • Braggs
  • Braman
  • Bray
  • Bristow
  • Broken Arrow
  • Broken Bow
  • Bromide
  • Buffalo
  • Bunch
  • Burbank
  • Burlington
  • Burneyville
  • Burns Flat
  • Butler
  • Byars
  • Cache
  • Caddo
  • Calera
  • Calumet
  • Calvin
  • Camargo
  • Cameron
  • Canadian
  • Caney
  • Canton
  • Canute
  • Cardin
  • Carmen
  • Carnegie
  • Carney
  • Carrier
  • Carter
  • Cartwright
  • Cashion
  • Castle
  • Catoosa
  • Cement
  • Centrahoma
  • Chandler
  • Chattanooga
  • Checotah
  • Chelsea
  • Cherokee
  • Chester
  • Cheyenne
  • Chickasha
  • Choctaw
  • Chouteau
  • Claremore
  • Clarita
  • Clayton
  • Cleo Springs
  • Cleveland
  • Clinton
  • Coalgate
  • Colbert
  • Colcord
  • Coleman
  • Collinsville
  • Colony
  • Comanche
  • Commerce
  • Concho
  • Connerville
  • Cookson
  • Copan
  • Cordell
  • Corn
  • Council Hill
  • Countyline
  • Covington
  • Coweta
  • Coyle
  • Crawford
  • Crescent
  • Cromwell
  • Crowder
  • Cushing
  • Custer City
  • Cyril
  • Dacoma
  • Daisy
  • Davenport
  • Davidson
  • Davis
  • Deer Creek
  • Delaware
  • Depew
  • Devol
  • Dewar
  • Dewey
  • Dibble
  • Dill City
  • Disney
  • Dodge
  • Dougherty
  • Douglas
  • Dover
  • Drummond
  • Drumright
  • Duke
  • Duncan
  • Durant
  • Durham
  • Dustin
  • Eagletown
  • Eakly
  • Earlsboro
  • Edmond
  • El Reno
  • Eldorado
  • Elgin
  • Elk City
  • Elmer
  • Elmore City
  • Enid
  • Erick
  • Eucha
  • Eufaula
  • Fairfax
  • Fairland
  • Fairmont
  • Fairview
  • Fanshawe
  • Fargo
  • Faxon
  • Fay
  • Felt
  • Finley
  • Fittstown
  • Fitzhugh
  • Fletcher
  • Forgan
  • Fort Cobb
  • Fort Gibson
  • Fort Sill
  • Fort Supply
  • Fort Towson
  • Foss
  • Foster
  • Fox
  • Foyil
  • Francis
  • Frederick
  • Freedom
  • Gage
  • Gans
  • Garber
  • Garvin
  • Gate
  • Geary
  • Gene Autry
  • Geronimo
  • Glencoe
  • Glenpool
  • Golden
  • Goltry
  • Goodwell
  • Gore
  • Gotebo
  • Gould
  • Gowen
  • Gracemont
  • Graham
  • Grandfield
  • Granite
  • Grant
  • Greenfield
  • Grove
  • Guthrie
  • Guymon
  • Haileyville
  • Hallett
  • Hammon
  • Hanna
  • Hardesty
  • Harrah
  • Hartshorne
  • Haskell
  • Hastings
  • Haworth
  • Headrick
  • Healdton
  • Heavener
  • Helena
  • Hendrix
  • Hennepin
  • Hennessey
  • Henryetta
  • Hillsdale
  • Hinton
  • Hitchcock
  • Hitchita
  • Hobart
  • Hodgen
  • Holdenville
  • Hollis
  • Hollister
  • Hominy
  • Honobia
  • Hooker
  • Hopeton
  • Howe
  • Hoyt
  • Hugo
  • Hulbert
  • Hunter
  • Hydro
  • Idabel
  • Indiahoma
  • Indianola
  • Inola
  • Isabella
  • Jay
  • Jenks
  • Jennings
  • Jet
  • Jones
  • Kansas
  • Kaw City
  • Kellyville
  • Kemp
  • Kenefic
  • Kenton
  • Keota
  • Kerrick
  • Ketchum
  • Keyes
  • Kiefer
  • Kingfisher
  • Kingston
  • Kinta
  • Kiowa
  • Knowles
  • Konawa
  • Krebs
  • Kremlin
  • Lahoma
  • Lamar
  • Lamont
  • Lane
  • Langley
  • Langston
  • Laverne
  • Lawton
  • Lebanon
  • Leedey
  • Leflore
  • Lehigh
  • Lenapah
  • Leon
  • Leonard
  • Lequire
  • Lexington
  • Lindsay
  • Loco
  • Locust Grove
  • Lone Grove
  • Lone Wolf
  • Longdale
  • Lookeba
  • Loveland
  • Loyal
  • Lucien
  • Luther
  • Macomb
  • Madill
  • Manchester
  • Mangum
  • Manitou
  • Mannford
  • Mannsville
  • Maramec
  • Marble City
  • Marietta
  • Marland
  • Marlow
  • Marshall
  • Martha
  • Maud
  • May
  • Mayfield
  • Maysville
  • Mazie
  • Mcalester
  • McCord
  • Mccurtain
  • Mcloud
  • Mead
  • Medford
  • Medicine Park
  • Meeker
  • Meers
  • Meno
  • Meridian
  • Miami
  • Milburn
  • Milfay
  • Mill Creek
  • Millerton
  • Minco
  • Moffett
  • Monroe
  • Moodys
  • Mooreland
  • Morris
  • Morrison
  • Mounds
  • Mountain Park
  • Mountain View
  • Moyers
  • Muldrow
  • Mulhall
  • Muse
  • Muskogee
  • Mustang
  • Mutual
  • Nardin
  • Nash
  • Nashoba
  • Newalla
  • Newcastle
  • Newkirk
  • Nicoma Park
  • Ninnekah
  • Noble
  • Norman
  • North Miami
  • Nowata
  • Oakhurst
  • Oaks
  • Oakwood
  • Ochelata
  • Oilton
  • Okarche
  • Okay
  • Okeene
  • Okemah
  • Oklahoma City
  • Okmulgee
  • Oktaha
  • Olustee
  • Omega
  • Oologah
  • Orlando
  • Osage
  • Oscar
  • Overbrook
  • Owasso
  • Paden
  • Panama
  • Panola
  • Paoli
  • Park Hill
  • Pauls Valley
  • Pawhuska
  • Pawnee
  • Peggs
  • Perkins
  • Pernell
  • Perry
  • Picher
  • Pickens
  • Piedmont
  • Pittsburg
  • Platter
  • Pocasset
  • Pocola
  • Ponca City
  • Pond Creek
  • Porter
  • Porum
  • Poteau
  • Prague
  • Preston
  • Proctor
  • Prue
  • Pryor
  • Purcell
  • Putnam
  • Quapaw
  • Quinton
  • Ralston
  • Ramona
  • Randlett
  • Ratliff City
  • Rattan
  • Ravia
  • Red Oak
  • Red Rock
  • Redbird
  • Rentiesville
  • Reydon
  • Ringling
  • Ringold
  • Ringwood
  • Ripley
  • Rocky
  • Roff
  • Roland
  • Roosevelt
  • Rose
  • Rosston
  • Rufe
  • Rush Springs
  • Ryan
  • S Coffeyville
  • Saint Louis
  • Salina
  • Sallisaw
  • Sand Springs
  • Sapulpa
  • Sasakwa
  • Savanna
  • Sawyer
  • Sayre
  • Schulter
  • Seiling
  • Seminole
  • Sentinel
  • Shady Point
  • Shamrock
  • Sharon
  • Shattuck
  • Shawnee
  • Shidler
  • Skiatook
  • Slick
  • Smithville
  • Snow
  • Snyder
  • Soper
  • Southard
  • Sparks
  • Spavinaw
  • Spencer
  • Spencerville
  • Sperry
  • Spiro
  • Springer
  • Sterling
  • Stidham
  • Stigler
  • Stillwater
  • Stilwell
  • Stonewall
  • Strang
  • Stratford
  • Stringtown
  • Stroud
  • Stuart
  • Sulphur
  • Sweetwater
  • Swink
  • Taft
  • Tahlequah
  • Talala
  • Talihina
  • Taloga
  • Tatums
  • Tecumseh
  • Temple
  • Terlton
  • Terral
  • Texhoma
  • Texola
  • Thackerville
  • Thomas
  • Tipton
  • Tishomingo
  • Tonkawa
  • Tryon
  • Tullahassee
  • Tulsa
  • Tupelo
  • Turpin
  • Tuskahoma
  • Tussy
  • Tuttle
  • Twin Oaks
  • Tyrone
  • Union City
  • Valliant
  • Velma
  • Vera
  • Verden
  • Vian
  • Vici
  • Vinita
  • Vinson
  • Wagoner
  • Wainwright
  • Wakita
  • Walters
  • Wanette
  • Wann
  • Wapanucka
  • Wardville
  • Warner
  • Washington
  • Washita
  • Watonga
  • Watson
  • Watts
  • Waukomis
  • Waurika
  • Wayne
  • Waynoka
  • Weatherford
  • Webbers Falls
  • Welch
  • Weleetka
  • Welling
  • Wellston
  • Westville
  • Wetumka
  • Wewoka
  • Wheatland
  • Whitefield
  • Whitesboro
  • Wilburton
  • Willow
  • Wilson
  • Wister
  • Woodward
  • Wright City
  • Wyandotte
  • Wynnewood
  • Wynona
  • Yale
  • Yukon