Banks That Don’t Use ChexSystems in Alaska

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

Chime has over 60,000¹ fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit². You can also deposit cash for free at over 8,500 Walgreens.

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

For an easy-to-access account, try eChecking, which comes with no minimum balance. You also get online banking, mobile app access, and bill pay. Plus, you can earn 2.00% APY on balances up to $10,000.

To become a member of MAC Federal, you’ll need to live, work, worship, or attend school in the Fairbanks North Star Borough, Southeast Fairbanks Census Area, Denali Borough, or Matanuska-Susitna Borough.

MAC FCU has locations in Fairbanks, Ft. Wainwright, Palmer, and Wasilla.

This account has no monthly fees and requires only a $25 minimum balance to maintain.

To open an account, simply visit a branch with a valid ID. Eligibility is open to anyone who lives, works, worships, or attends school in Alaska.

MVFCU branch locations are available in Big Lake, Eagle River, Palmer, Sunshine, Wasilla, and Willow.

There are several account options, including Simple, Direct, Power, and President’s Club.

The Simple Checking account has no monthly fee but requires a $100 opening deposit. There is a $5.95 monthly fee for bill pay, but you can get up to $10 in ATM fee reimbursements each month.

Northrim Bank has several branches across Alaska, including locations in Anchorage, Eagle River, Fairbanks, Juneau, Ketchikan, Sitka, Soldotna, and Wasilla.

For a checking account, approval from a branch supervisor may be required, so it’s a good idea to apply in person at a branch.

The Simple Checking account has no minimum balance requirement, and the $5 monthly fee can be waived by maintaining a $250 balance. Most account holders qualify for a debit card, overdraft protection, and unlimited checks.

Membership is open to those who live, work, or worship in the Fairbanks North Star Borough. There are three branch locations in Fairbanks.

This account provides a valuable opportunity to get back on track while still accessing essential banking services.

The account comes with a $10 monthly fee, and account holders may be approved for a MasterCard debit card. In addition to standard banking services, True North Federal Credit Union provides online and mobile banking.

TNFCU has branches in Anchorage and Juneau.

This second chance account is designed for those who might not qualify for traditional banking options due to past financial difficulties.

The account comes with a monthly fee of $5, which can only be waived if the primary account holder is between the ages of 13 and 24.

To open the account, a minimum deposit of $25 is required. Once established, you’ll have access to a range of convenient features, including online bill pay and mobile banking.

Additionally, customers can take advantage of Wells Fargo’s vast network of over 13,000 ATMs, available free of charge. For those in Alaska, Wells Fargo has branch locations in Anchorage, Fairbanks, and Juneau.