Struggling to open a checking account in Alaska due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in Alaska
We’ve compiled a comprehensive list of Alaska banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
Chime
Features & Benefits
- Over 14.5 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
- Over 60,000 fee-free1 ATMs
GO2bank
Features & Benefits
- No ChexSystems or credit check
- 4.50% APY on savings
- Over 19,000 fee-free ATMs
- $5 monthly fee can be waived
Chase
Features & Benefits
- $100 bonus after 10 purchases
- No credit check or ChexSystems
- Over 16,000+ fee-free ATMs
- Over 4,700 branches nationwide
- $4.95 monthly service fee
Current
Features & Benefits
- No minimum balance or monthly fees
- Fee-free overdraft up to $200 with Overdrive
- 40,000 fee-free Allpoint ATMs in the U.S.
- Get paid up to 2 days faster
- No credit check or ChexSystems
MAC Federal Credit Union
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, attend school, or use services the Fairbanks-North Star Borough. There are two branch locations, one in Ft. Wainwright and one on 10th Avenue.
Matanuska Valley Federal Credit Union
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
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.
Spirit of Alaska Federal Credit Union
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 Credit Union
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.
To find a TNFCU branch, you’ll need to visit either Anchorage or Juneau.
Wells Fargo
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.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for banking.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming