Banks That Don’t Use ChexSystems in Alaska

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $400 when you set up qualifying direct deposits.

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 47,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

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.