Banks That Don’t Use ChexSystems in Arizona

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.

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.