Are you trying to open a checking account in Alaska, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Alaska use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Alaska

Take a look at this comprehensive list of banks and credit unions in Alaska that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
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on Chime's secure website

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

The Chime Checking Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit 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 charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Aspiration's secure website

Aspiration’s Spend & Save Account hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

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Our Third Pick
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on Current's secure website

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile banking account includes fee-free overdraft protection of up to $100. You also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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MAC Federal Credit Union

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on MAC's secure website

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.

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Matanuska Valley Federal Credit Union

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on MCFCU's secure website

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.

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Northrim Bank

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on Northrim's secure website

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.

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Spirit of Alaska Federal Credit Union

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on Spirit of Alaska's secure website

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.

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True North Federal Credit Union

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on True North's secure website

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.

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Wells Fargo

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on Wells Fargo's secure website

Opportunity Checking is another second chance account available from Wells Fargo, a national bank with a large footprint in Alaska. The account requires a $25 opening deposit, but has no minimum balance after that. You get mobile and online banking, a debit card, checks, and bill pay with Opportunity Checking.

There is a $10 monthly fee but here’s how you can get that waived each month:

  • Use your debit card 10 times, OR
  • Enroll in direct deposit with at least $500, OR
  • Keep a daily balance of $1,500.

If you meet just one of those requirements, Opportunity Checking essentially becomes a free second chance account with which you can rebuild your checking history.

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