LOGIN

Forgot User ID
405.235.3030 or 800.678.5363


A variety of accounts to suit your needs.

Open a WEOKIE account online and see why managing your finances couldn't be easier.

Open An Account Today

     

    Low Rates. Great Service.

    Apply for an Auto Loan without ever stepping foot in a branch.

    Apply Now!

    View Rates

    Auto Loan Payment Calculator

    Make A Payment

       

      WEOKIE: your one-stop-shop for everything homes!

      From finding the home of your dreams to financing it, closing the loan, and even insuring it... we want to make every step in your home-buying experience as easy and as affordable as possible.

      Apply Online


      Home Loan Rates

         

        Lending a hand when you need it

        From auto loans to refinancing a mortgage, WEOKIE has the resources and tools to create a lending program tailored to your needs. 

        Apply Online    

        View Rates

        Make A Payment

          COMMERCIAL LOANS

          Commercial Loans

             

            Easy and convenient banking.

            WEOKIE's e-Statements, Bill Pay, and Online and Mobile Banking are services aimed to make your life a little easier.

            Log In Now

               

              We are here to help.

              At WEOKIE, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time.

                Freedom Checking Accounts

                The freedom to bank your way with all the basic tools you need, opt-in overdraft protection, and no monthly fees.

                OPEN AN ACCOUNT ONLINE IN MINUTES

                Everything you Need, Nothing You Don’t Want. That’s Freedom!

                Anywhere Banking Tools

                Anywhere Banking Tools

                Manage your money your way with 24/7 online and mobile banking.

                No Monthly Service Fee

                No Monthly Service Fee

                Select paperlesse-Statements** for true no-charge checking. 

                 

                Worry-Free Transactions

                Worry-Free Transactions

                Choose Courtesy Pay® for an overdraft limit 
                of $1,200.3

                Unlimited Check Writing

                Unlimited Check Writing

                Make convenient payments on your terms with no restrictions.

                No-frills account with no monthly fee when you enroll in e-Statements.

                Just need a basic, free checking account in Oklahoma City? Our Freedom Checking Account is designed to make everyday checking straightforward, saving you money and time so you can have more fun.

                Open a free credit union checking account with just $20 and gain access to the basic services that really matter, like online and mobile banking.

                And, with NO monthly fees, NO minimum balance requirement, and opt-in e-Statements**, you’ll get all the benefits of a full-service checking account for free, including:

                • Free debit card
                • Direct  deposit
                • Check deposit and online bill pay
                • Online and mobile banking
                • Nationwide ATM access

                Spend less time managing your money and more time exploring everything OKC has to offer. Sign up for Freedom Checking today for the no-frills banking experience you need to get things done.

                OPEN AN ACCOUNT ONLINE IN MINUTES

                A young man checks his free online checking account on his mobile device.

                 

                Every WEOKIE Checking Account Also Includes:

                • Free Debit Card: Your personal card for online or in-person payments.
                • Direct Deposits: Sign up to get faster access to your paychecks.
                • Online & Mobile banking: Enjoy free 24/7 access to full-service, secure banking —  wherever you are.
                • FREE ATM Transactions: Surcharge-free access at more than 55,000 ATM ZONE and AllPoint Network locations.
                • FREE Unlimited Bill Pay: Make repeat payments from your WEOKIE Online Banking.
                • Mobile Check Deposit: Cash checks remotely through your WEOKIE mobile app.
                • Account Alerts: Keep tabs on your balance so you can manage your money better and avoid fees.
                • Fraud Risk Protection: Stay safe with 24-hour monitoring of your WEOKIE debit cards.
                • In-Person Banking: Shared Branching access at more than 5,000 credit union locations nationwide.
                • Unlimited Check Writing: Make convenient payments on your terms.
                • Unlimited Debit Card Transactions: Life moves fast. Spend with confidence.
                • Overdraft Protection: Automatically transfer funds when needed to avoid an overdraft4.

                Follow These Steps to Apply for Your Freedom Checking Account

                Step1

                Check Your Eligibility

                WEOKIE Membership is open to residents of Oklahoma City and its surrounding counties.

                Step2

                Apply Online

                Our online application process is quick and convenient. You’ll need ID, proof of address, and a $20 opening deposit.

                Step3

                Bank for Less!

                Enjoy fee-free checking, a full range of features and services, 24/7 access anywhere via mobile and online banking tools, and opt-in overdraft protection!

                GET STARTED

                 
                “I've had nothing but a wonderful experience banking with WEOKIE. I recommend them to anyone who is looking for great interest rates and excellent customer service.”
                 
                Bailey C., Oklahoma City

                Freedom Checking Account FAQs

                AdobeStock_510332602

                Why Choose WEOKIE?

                When you join WEOKIE Federal Credit Union, you become a part-owner and join our community of more than 60,000 members in the Oklahoma City area. We've been serving our membership since 1969 and know what you need and want.

                We offer a range of checking accounts tailored to the needs of hard-working families, including our Ultimate with BaZing, Ultimate, Kasasa Cash Back, and Freedom Checking accounts.

                Whether you’re looking for high-yield dividends on deposits, full-service benefits, cash-back rewards, or just a fresh start, WEOKIE has the everyday banking products you need.

                WE ARE HERE TO HELP.

                If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

                ADDITIONAL CHECKING ACCOUNT OPTIONS:

                Kasasa Cash Back Checking


                Kasasa Cash Back Checking

                Get generous cash back on everyday debit card purchases, so you can shop some more!

                Learn More

                Ultimate Checking Bazing


                Ultimate Checking with Bazing

                Enjoy interest-earning checking with no minimum balance — plus a range of added benefits!

                Learn More

                Ultimate Checking


                Ultimate Checking

                Earn interest on your working cash with our premium fee-free checking account.

                Learn More

                *Checking Account Promo IMPORTANT INFORMATION: Offer ends 12/31/24. BaZing Monthly fee, $6.95/month. Membership eligibility is required. The application is subject to approval & further review. Only Ultimate with BaZing accounts are eligible for a $200 bonus offer. Commercial Checking Accounts are not eligible. WEOKIE Employees are not eligible. To receive the bonus, the account holder must make twenty (20) qualifying WEOKIE debit card point of sale (POS) transactions that need to be posted to the new Ultimate with BaZing checking account within 45 days of account opening (via a POS device in-store or an online transaction). ATM transactions and Authorization Holds do not qualify. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Bonus will be posted to the account the first business day after the 45-day criteria are met (Contract Date + 45 calendar days). The account must be opened and active by 12/31/2024 and must not be closed or restricted at the time of payout. The final bonus payout will occur on or around February 14, 2025. Ask for details. Information is accurate as of 6/3/24 and may change without notice. APY = Annual Percentage Yield. APYs accurate as of 2/26/24. Balances up to $35,000.00 receive an APY of 3.00%, and balances over $35,000.00 earn .10% APY . Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. A minimum deposit of $20 is required to open the Ultimate with BaZing Checking account. No minimum balance is required to obtain the bonus. Federally Insured by NCUA.

                1 APY = Annual Percentage Yield

                ** Paper Statement Fee: Avoid $2 paper statement fee by opting for paperless e-Statements online.

                 3 Courtesy Pay Our standard overdraft services, known as Courtesy Pay, allow us to pay a check, automatic bill payment, or ACH transaction drawn on your personal checking account, even if the transaction exceeds your available balance. If you are eligible for Courtesy Pay, you can overdraw your account up to $1,200. You must opt-in to Courtesy Pay, and we charge a fee for each Courtesy Pay transaction.  

                • In order to be eligible for this service, you must be eighteen years or older and your account (1) must be in good standing, as defined below, (2) must have been open for at least 45 days, (3) must have a positive balance at the time you opt-in to Courtesy Pay and at the time Courtesy Pay is activated, and (4) must not receive Social Security or other protected benefits that you do not want applied to repay an overdraft. An account in good standing (1) must not have any garnishments, levies, or other legal orders, and (2) must have a positive available balance overnight at least once every 35 days. If the available balance in an account remains negative for 45 days, we will close the account. Courtesy Pay is only available for one account per member. We reserve the right to revoke Courtesy Pay without notice to you if (1) there has been a forgery or fraud reported or committed involving your accounts, (2) any checks or drafts on your accounts are lost or stolen, (3) there has been any misrepresentation or any other abuse or misuse of any of your accounts, (4) you have demonstrated conduct which is abusive in nature or (5) as outlined in any policy we have adopted regarding restricting services.
                • If you meet these eligibility requirements, you may opt-in to Courtesy Pay using the Overdraft Services Consent form. If you opt-in to Courtesy Pay, we may, at our discretion, pay a check, automatic bill payment, or ACH transaction that exceeds your available balance. We do not authorize and pay overdrafts for ATM transactions and one-time debit card transactions unless you specifically ask us to do so on the Overdraft Services Consent Form.
                • For each overdraft transaction that we authorize and pay, we will charge a Courtesy Pay Fee, as shown in the Fee Schedule. The fee will be charged to the overdrawn account and will further decrease the available balance in your account. You may overdraw the available balance in your account up to $1,200.
                • We pay all overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. When we choose not to pay a check, automatic bill payment, or ACH transaction that exceeds your available balance, we will still charge either an Insufficient Funds Fee or an Uncollected Fee, as shown in the Fee Schedule and described in the Membership and Account Agreement. For any one transaction, you will either be charged a Courtesy Pay Fee, an Insufficient Funds Fee, or an Uncollected Fee, but not more than one of these.
                • Courtesy Pay is a Registered Trademark of BANCServices Group, Inc.

                 4 Overdraft Options We offer two products, Overdraft Protection and Courtesy Pay, to help you avoid a returned check or declined transaction in the event that your transactions exceed the available balance in your account. For an explanation of how your available balance is calculated, see Understanding Your Account Balance in the Membership and Account Agreement.  Overdraft Protection and Courtesy Pay both require your consent.

                • If you elect to add Overdraft Protection to your account, this service allows you to designate an account (the “designated account”) in your name from which funds will be transferred in order to cover any transaction that exceeds the available balance of your checking account. Term accounts and Individual Retirement Accounts (IRA) are not eligible for use as designated accounts for Overdraft Protection. The amount transferred to your checking account by Overdraft Protection cannot exceed the available balance of the designated account from which funds are transferred. There is no fee for using Overdraft Protection. For more information about this service or to add this service to your account, visit a branch or call 405-235-3030.
                • If you opt-in to Courtesy Pay, also called Standard Overdraft Services, this service allows us to pay a check, automatic bill payment, or ACH transaction, even if the transaction exceeds your available balance. We do not authorize and pay overdrafts for ATM transactions and one-time debit card transactions unless you ask us to. For more information about Courtesy Pay, see the section below titled Courtesy Pay. To opt-in to Courtesy Pay or to authorize us to pay overdrafts on your ATM and one-time debit card transactions, see the Overdraft Services Consent form.
                • If you elect to add Overdraft Protection and opt-in to Courtesy Pay, we will use Overdraft Protection, if possible, rather than Courtesy Pay when transactions exceed the available balance in your checking account. If the amount of a transaction exceeds the available balance in the account you designated for Overdraft Protection, then we may use Courtesy Pay.
                • Both Overdraft Protection and Courtesy Pay are privileges that offer flexibility and peace of mind, knowing that your transactions may be covered. However, Courtesy Pay may be expensive.  Overdraft Protection may be more suitable for your needs.

                + Kasasa Cash Back Details/Disclosures

                Account Overview: Kasasa Cash Back is a variable reward checking account with no minimum balance and no monthly fee, that rewards account holders with cash back on their debit card purchases and nationwide ATM withdrawal fee refunds when they meet the minimum qualifications during the account’s Monthly Qualification Cycle.

                Rate Information: This account is a non-interest bearing account. Therefore, there is no Annual Percentage Yield.

                Amount To Open The Account: The minimum balance required to open the account is $20.

                Balance Information: There is no minimum daily balance requirement.

                Qualification Information: Twenty (20) or more debit card point of sale (POS) transactions per Monthly Qualification Cycle, a minimum of one direct or electronic deposit of at least $250 each month, and enrollment in electronic statements are required and an ongoing condition(s) of this account to qualify for the account rewards. The following activities do not count toward earning account rewards: ATM- processed transactions, transfers between accounts, credit card purchases, debit and credit card purchases processed by merchants and received by the credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not assigned to the Kasasa Cash Back account. 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. 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 4% cash back on up to a total of $200 debit card purchases that post and settle to the account during the cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle. In addition, you will receive reimbursements up to an aggregate total of $8.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we received does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the receipt within sixty (60) calendar days of withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rate may change without notice to you. No minimum balance is required to earn or receive the accounts rewards. Rewards less than a penny cannot be distributed. If the account is closed before the rewards are credited, you will forfeit the rewards. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.