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Best Banks & Checking Accounts in Tulsa, Oklahoma - May 2026

The best checking rates for Tulsa, Oklahoma include Communication Federal Credit UnionCommunication Federal Credit Union108 E 8th St, Tulsa, OK 74119 1604A5.0 ★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, Vast BankVast Bank110 N Elgin Ave, Tulsa, OK 74120A+5.0 ★Texas Ratio: 4.77% Rewards Checking at 2.50% APY, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionTulsa Base Administration Building, Tulsa, OK 74116A+5.0 ★Texas Ratio: 2.63% Priority Checking at 0.40% APY, and Tinker Federal Credit UnionTinker Federal Credit Union8920 E 61st St, Tulsa, OK 74133A+5.0 ★Texas Ratio: 2.99% Heritage Club Checking at 0.20% APY. Checking account rates as of May 5, 2026 according to verified data from MonitorBankRates.

Tulsa has 11 local institutions in our database, with checking rates as high as 4.00% APY from Communication Federal Credit Union at 108 E 8th St, Tulsa, OK, 74119 1604. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Tulsa, Oklahoma. Checking Account Rates Last Updated and Verified: May 5, 2026

Compare Checking Account Rates Today in Tulsa, Oklahoma & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
108 E 8th St
Tulsa, OK 74119 1604
Performance Checking
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $30,000.00

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
Rate2.85%
Min Deposit$100
Min Balance
UpdatedMay 5, 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
Rate2.85%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.01

Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
110 N Elgin Ave
Tulsa, OK 74120
Rewards Checking
2.50%
$100
Rate2.47%
Min Deposit$100
Min Balance
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Tulsa Base Administration Building
Tulsa, OK 74116
Priority Checking
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Tulsa Base Administration Building
Tulsa, OK 74116
Flagship Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8920 E 61st St
Tulsa, OK 74133
Heritage Club Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

TTCU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
3720 E 31st St
Tulsa, OK 74135
Classic Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
9810 E 51st St
Tulsa, OK 74146
Community Non-Profit Checking
0.12%
$0
Rate0.12%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
9810 E 51st St
Tulsa, OK 74146
Community Non-Profit Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 5, 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
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMay 2, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
9810 E 51st St
Tulsa, OK 74146
Community Non-Profit Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
907 S Detroit Ave
Tulsa, OK 74120 4205
Basic Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 17, 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
Teen Checking
0.05%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMay 2, 2026
Details

No additional details provided.

Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
110 N Elgin Ave
Tulsa, OK 74120
Interest Plus Checking
0.02%
$100
Rate0.02%
Min Deposit$100
Min Balance
UpdatedMay 4, 2026
Details

All balances

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8920 E 61st St
Tulsa, OK 74133
Classic Checking
0.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMay 4, 2026
Details

or Net Pay

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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
9810 E 51st St
Tulsa, OK 74146
Community Non-Profit Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Energy One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
220 W 7th St
Tulsa, OK 74119
OneUp! High-yield Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

FNB Community Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 3, 2026
Details

Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
108 E 8th St
Tulsa, OK 74119 1604
Performance Checking
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $30,000.00

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
Rate2.85%
Min Deposit$100
Min Balance
UpdatedMay 5, 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
Rate2.85%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
110 N Elgin Ave
Tulsa, OK 74120
Rewards Checking
2.50%
$100
Rate2.47%
Min Deposit$100
Min Balance
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

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
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMay 2, 2026
Details

No additional details provided.

Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
110 N Elgin Ave
Tulsa, OK 74120
Interest Plus Checking
0.02%
$100
Rate0.02%
Min Deposit$100
Min Balance
UpdatedMay 4, 2026
Details

All balances

FNB Community Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 3, 2026
Details

Qualifying balance up to $10,000.00

Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Super Checking
1.01%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Rewards Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 2, 2026
Details

Qualified Tier 1 ($0 - $20,000)

Frontier State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Interest Checking
0.40%
$100
Rate0.40%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Interest Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Elevate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
110 N Elgin Ave
Tulsa, OK 74120
Rewards Checking
2.50%
$100
Rate2.47%
Min Deposit$100
Min Balance
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

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
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMay 2, 2026
Details

No additional details provided.

FNB Community Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 3, 2026
Details

Qualifying balance up to $10,000.00

Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Rewards Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 2, 2026
Details

Qualified Tier 1 ($0 - $20,000)

Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Rewards Checking
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 2, 2026
Details

Qualified Tier 2 (Over $20,000)

Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Rewards Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 2, 2026
Details

Non-Qualified Tier

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
907 S Detroit Ave
Tulsa, OK 74120 4205
Basic Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 17, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Freedom Checking
0.80%
$0
Rate0.80%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Freedom Checking
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Freedom Checking
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 5, 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
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMay 2, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Tulsa Base Administration Building
Tulsa, OK 74116
Business Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
9810 E 51st St
Tulsa, OK 74146
Business Interest Checking
0.12%
$0
Rate0.12%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
9810 E 51st St
Tulsa, OK 74146
Business Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
9810 E 51st St
Tulsa, OK 74146
Business Interest Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
9810 E 51st St
Tulsa, OK 74146
Business Interest Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

Legacy Bank Hinton, OK
Institution Rating:
F2.1 ★ Texas Ratio: 49.42%
Business Interest Checking
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Designed for sole proprietorships and not-for-profits.

Peoples B&T Co. Ryan, OK
Institution Rating:
F2.9 ★ Texas Ratio: 40.20%
Elite Business Checking
0.35%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMay 4, 2026
Details

ACH per statement cycle

Washita State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
WSB Business Checking Account
0.20%
$100
Rate0.20%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Business Rewards Checking
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMay 2, 2026
Details

No additional details provided.

Tulsa, OK Checking Rate Trends

Compare local Tulsa, OK 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
3.478%
▼ 0.186 vs 7 days ago

Oklahoma high-yield checking rates fell 0.186 points over the past 7 days to 3.478% APY.

Free Checking — OK Avg
1.323%
▼ 0.020 vs 7 days ago

Oklahoma free checking rates fell 0.020 points over the past 7 days to 1.323% APY.

As of May 5, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma earn interest?

Most traditional local checking accounts in Tulsa, 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 Tulsa, Oklahoma FDIC insured?

Yes. Legitimate banks with branches in Tulsa, 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 Tulsa, Oklahoma

Based on our current data, some of the highest checking account APYs available to residents of Tulsa, Oklahoma include:
  • 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
  • American Airlines Federal Credit Union
    Priority Checking — 0.40% APY
  • Tinker Federal Credit Union
    Heritage Club Checking — 0.20% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Tulsa, Oklahoma. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 5, 2026