Banks That Don’t Use ChexSystems in Arizona

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.

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% 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.

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.

You may qualify for this account if your history involves an unpaid closure or non-sufficient funds activity.

The account has a monthly fee of $10 and includes features like bill pay and free usage of Alhambra ATMs. Additionally, you get four free withdrawals each month at non-Alhambra ATMs, with a fee of $2.25 for each withdrawal beyond that.

Alhambra Credit Union has branch locations in Phoenix and Glendale, providing easy access for Arizona residents.

Their Go Checking account comes with no monthly fee and no minimum balance requirement. You’ll also get free e-statements, online banking, and bill pay.

With over 80,000 ATMs available for free across the country, the account offers a daily withdrawal limit of $500. The Go Checking debit card allows for up to $3,000 in purchases and $1,000 for point-of-sale purchases using your PIN.

America First Credit Union serves Arizona residents with branches in cities like Goodyear, Mesa, Page, St. Johns, and Tempe.

The credit union offers two checking account options: Premier Checking, which has a $9 monthly service fee (waived under specific conditions), and Free Checking with no monthly fee.

Both accounts provide key features such as overdraft services, mobile banking, and access to a free Visa debit card.

Arizona Financial Credit Union has branches in multiple cities across the state, including Phoenix, Avondale, Chandler, Gilbert, Glendale, Kingman, Lake Havasu City, Mesa, Scottsdale, and Surprise.

So if your credit history is better than your banking history, this could be a viable option for you.

The account requires an opening deposit of just $25, with no minimum balance required. However, if you maintain a balance of at least $50, you’ll earn 0.05% APY on your account. Additional checking benefits include a Visa debit card, online banking, and bill pay.

Membership eligibility is based on your Arizona zip code or your local employer, so be sure to check if you qualify. Cochise Credit Union has branch locations in Willcox.

You can qualify for an account even with one paid ChexSystems record, which helps more people get back on track.

The Adventure Checking account keeps things simple. There’s no minimum deposit or balance requirement, but there is a $6 monthly fee.

It comes with full-service features like mobile banking, mobile deposit, bill pay, and no per-check charges.

Coconino FCU has branch locations in Flagstaff and Page, Arizona, serving members in the northern parts of the state.

Check out the Arizona Checking Account, providing you with access to both online banking and text alerts.

There’s a $7 monthly fee, but you can get it waived with one of the following:

• one direct deposit each month of at least $100
• at least 10 purchases with your debit card each month
• a $2,000 aggregate average daily balance of loans and deposits through OneAZ.

There are branch locations throughout the state, in and around Flagstaff, Prescott, Phoenix, and Safford.

After one year has elapsed, you’ll be able to open a checking account, too, if the savings account remains in good standing.

It’s a bank worth getting your foot in the door to because a checking account with SunWest comes with many perks.

For starters, SunWest doesn’t require a monthly service fee, nor is there a minimum balance. Furthermore, they offer multiple overdraft protection options, free unlimited checking, and free mobile banking.

If you eventually get a Premier checking account and maintain a daily balance of $1,000 or more, you can get paid dividends each month.

If you’ve had issues with banks in the past but have maintained a decent credit score, you may qualify for an account with WSB.

Western State Bank offers four types of checking accounts: Free Checking, Future Checking, VIP Checking, and VIP Plus Checking.

All of these accounts come with benefits such as free bill pay, free direct deposit, free identity theft protection, free online and mobile banking, and free Telebank services.

Western State Bank serves Arizona residents with branches in Casa Grande, Chandler, Deer Valley, Mesa, Scottsdale, and Sun City.