Banks That Don’t Use ChexSystems in Alaska

Features & Benefits

• Up to 5.21% APY on savings
• Up to 2% cash back
• No minimum balance requirement
• No monthly fees or overdraft fees

Features & Benefits

• Sign-up bonus up to $300 with qualifying direct deposits
• No monthly fee
• Earn up to 4.60% APY on savings
• Over 55,000 fee-free ATMs

Features & Benefits

• Build credit just by using your debit card
• No minimum balance or monthly fees
• 40,000 fee-free Allpoint ATMs in the U.S.
• Get paid up to 2 days faster
• No credit check or ChexSystems

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

Features & Benefits

• Up to $300 sign-up bonus with direct deposit
• No minimum balance requirements
• Earn up to 5.00% APY
• Over 30,000 fee-free ATMs

You can qualify for an account with MAC Federal even with a ChexSystems record. However, everything must be paid, and you can’t have any fraud on your report.

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. There are two branch locations, one in Ft. Wainwright and one on 10th Avenue.

As long as your ChexSystems record is paid, and you don’t have any instances of fraud reported, you could qualify for an account with Matanuska Valley Federal. Their share draft checking account requires a $25 minimum balance, but has no monthly fee.

Alaska branch locations are in Palmer, Big Lake, Eagle River, Wasilla, Sunshine, and Willow. You can open an account by simply visiting a branch and showing a valid ID. To be eligible, you just need to live, work worship, or attend school in Alaska.

Northrim Bank is a non-ChexSystems bank that will likely qualify you for a checking account. There are several account options, including Simple, Direct, Power, and President’s Club.

The Simple Checking account comes with no monthly fee, but you do need a $100 opening deposit. If you want to enroll in bill pay, you do have to pay a $5.95 monthly fee. On the plus side, you can request up to $10 of ATM fee reimbursement each month.

There are several Northrim Bank locations in Alaska. Branches are throughout Anchorage, Eagle River, Fairbanks, Juneau, Ketchikan, Sitka, Soldotna, and Wasilla.

You can qualify for a savings account with Spirit of Alaska Federal as long as everything in your ChexSystems record is paid, and no fraud is reported.

You could also potentially get approved for a checking account if you receive approval from a branch supervisor, so it pays to go into a branch and apply in person.

The Simple Checking account comes with no minimum balance, but if you keep a $250 balance, you can get the $5 monthly fee waived.

Most account holders are eligible for a debit card and overdraft protection, as well as unlimited checks. The easiest way to obtain membership is to live, work, or worship in the Fairbanks North Star Borough.

True North Federal offers a second chance checking account called True Options Checking. It’s designed to help you get your checking history back on track.

There’s a $10 monthly fee, and you could get approved for a MasterCard debit card to use with your account.

You can find TNFCU branches in Anchorage and Juneau.

If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.

This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.

There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.