Everything you Need, Nothing You Don’t Want. That’s Freedom!
Anywhere Banking Tools
Manage your money your way with 24/7 online and mobile banking.
No Monthly Service Fee
Select paperlesse-Statements** for true no-charge checking.
Worry-Free Transactions
Choose Courtesy Pay® for an overdraft limit
of $1,200.3
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.
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!
Bailey C., Oklahoma City
Freedom Checking Account FAQs
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Are there any fees associated with the Freedom Checking Account?
No, the Freedom Checking Account has no monthly service fee or minimum balance requirement when you opt-in for e-Statements. There is a $2 fee for paper statements if you choose not to opt for e-Statements**.
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Can I earn interest on the money in my Freedom Checking Account?
No, the Freedom Checking Account does not pay interest on deposits. To earn interest on your account balance consider opening our Ultimate Checking or Ultimate with BaZing* checking accounts.
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Do I need to opt-in for Courtesy Pay® with my Freedom Checking Account?
Yes, you need to opt-in for Courtesy Pay® to cover everyday debit card transactions and ATM withdrawals and avoid overdraft fees. 3, 4 For checks, ACH transactions, and recurring debit card transactions, Courtesy Pay® is automatically provided if your account is in good standing.
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How do I open a Freedom Checking Account?
Opening a Freedom Checking Account is easy and can be done online in minutes. You'll need to provide a valid ID and social security number, proof of address, and a $20 opening deposit.
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Does the Freedom Checking Account charge any ATM fees?
WEOKIE members enjoy free access to 74,000 of surcharge-free ATMs and 6,000 shared branches nationwide through our partnerships with the ATM Zone, Allpoint and Credit Union CO-OP Networks. At a shared branching location, you get person-to-person assistance with your accounts to make deposits, transfers and account inquiries.
Locate the nearest CO-OP Shared Branch or ATM near you using the locator on CO-OP Credit Union’s website.
Locate the nearest Allpoint ATM using the locator on Allpoint’s website. Allpoint Networks. Allpoint ATMs can be found in places you already shop like Target, CVS, Walgreens and Costco. -
How do I know if I am eligible to become a WEOKIE account holder?
WEOKIE membership is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in the greater Oklahoma City area, including Canadian, Cleveland, Grady, Lincoln, Logan, McClain, Oklahoma, or Pottawatomie Counties, employees of the credit union, volunteers in the community, and immediate relatives of current WEOKIE members.
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What is the difference between a credit union and a bank?
We know you have choices when it comes to financial institutions and that there are also banks in Oklahoma with free checking accounts. As a member-owned co-operative, we’re focused on running our credit union for the benefit of our owner-members rather than shareholders. That means charging less for the services we provide and passing on the revenue we make to our members through lower interest rates on credit cards and loans and higher APYs1 on deposits and investments.
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
Get generous cash back on everyday debit card purchases, so you can shop some more!
Ultimate Checking with Bazing
Enjoy interest-earning checking with no minimum balance — plus a range of added benefits!
*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.