Banks That Don’t Use ChexSystems in Colorado

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 60,000¹ 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.

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

You can earn up to 3.80% 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 $300 when you set up qualifying direct deposits.

Approval is more likely if the record is under $200 and the incident occurred over six months ago. Additionally, there must be no history of fraud on your ChexSystems report. Signing up for direct deposit can also increase your chances of approval.

There are three checking account options available: E-checking, Military Checking, and 5Star Checking. The E-checking account requires a $50 opening deposit and has no monthly or annual maintenance fees.

The account also includes a debit card, and overdraft protection is available if you have an approved credit score.

5Star Bank operates three branch locations in Colorado Springs, as well as Greenwood Village and Trinidad.

It’s designed to help individuals manage their finances without overdraft or return item fees.

This account includes features like free online and mobile banking, access to Zelle, and a free debit card.

Bellco has branches in Aurora, Brighton, Castle Rock, Clifton, Denver, Fort Collins, Greeley, Grand Junction, Lakewood, Thornton, and other locations throughout the state.

The account has a $9.95 monthly fee with direct deposit ($14.95 without) and includes a debit card, online banking, mobile access, and bill pay.

You can request one overdraft fee refund per year and switch to free e-statements to avoid the $1.50 paper statement fee. Minimum opening deposit is $50.

After 12 months of good account management, you may qualify to upgrade to a regular checking account.

Branches are available in Aurora, Boulder, Breckenridge, Colorado Springs, Denver, Edwards, Englewood, Frisco, Golden, Greenwood Village, Highlands Ranch, Lakewood, Littleton, Parker, Westminster, and Windsor.

There are three different personal checking accounts available: Checking with Interest, Freedom 55 Checking, and Value Checking.

The Value Checking option requires a $100 minimum opening deposit, but there’s no monthly fee. It includes some free services, including both an ATM card and a MasterCard debit card.

You also get free bill pay and e-statements. There are a few restrictions, including a $0.06 charge for each check you use after the first 50 checks.

Equitable Savings and Loan has multiple branch locations in Colorado. These include Akron, Brush, Burlington, Fort Collins, Fort Morgan, Julesburg, Limon, Sterling, Wray, and Yuma.

This is a bit more cumbersome than a simple online application. However, it may be worth it if you’re having difficulty finding a Colorado bank to approve you for a checking account.

To qualify for membership, you have to live or work in Centennial, Colorado or be employed by one of the partner organizations.

Alternatively, you can qualify if a family member is already a member. When opening your account, you’ll need to deposit $25 into your share account, which is standard for credit unions.

There are two branch locations, one in Centennial and one in Denver. You can also use Metrum Community’s co-op of shared branches.

To get started, you’ll need an opening deposit of $100. While that may seem steep, the monthly fee is a modest $10, and you don’t have to maintain a minimum balance moving forward.

You also won’t be subject to per item charges, plus you receive unlimited check writing. Additional perks include free direct deposit, bill pay, and e-statements.

NFCU has locations in Montrose and Gunnison, Colorado. To become a member, you simply need to live, work, worship, or go to school in one of the following counties: Montrose, Gunnison, Ouray, or San Miguel.

If you’re eligible, you can become a member by opening a share account with a $25 deposit, which you must maintain. You can apply online or in one of their branches.

This second-chance account provides a pathway to rebuilding a positive banking history while offering practical features.

Account holders receive a debit card with no annual fee, and the monthly maintenance fee is $10, but it drops to $5 with direct deposit.

You’ll get four free withdrawals per month at Shared Branch locations and CO-OP ATMs, with a small fee applied to additional withdrawals.

After maintaining a good standing for 12 months—without any overdrafts—you can upgrade to the Essential Checking account.

Branches of PCCU are conveniently located throughout the Denver Metro Area, including Arvada, Aurora, and Littleton.

With a $25 deposit required to open and a $5 monthly maintenance fee, this account includes benefits like a free VISA® Debit Card, personal online banking, and mobile app access.

After maintaining good standing for 12 months, the account can convert to a traditional checking account.

Sunflower Bank has branches in Boulder, Canon City, Denver, Greenwood Village, Longmont, Monte Vista, and Pueblo, with other locations across the state.

With features like no minimum balance, debit rewards (1 point for every $3 spent), and the ability to receive your paycheck up to two days early with direct deposit, this account is designed for convenience.

Additional perks include overdraft protection, mobile deposit, and digital wallet compatibility with Apple Pay, Google Pay, and Samsung Pay.

Westerra has branch locations in Arvada, Aurora, Castle Rock, Denver, Lakewood, Littleton, and Parker.

With no minimum balance requirement and access to mobile banking, this account provides essential features like a Visa® debit card, direct deposit, and access to over 30,000 fee-free ATMs nationwide.

After maintaining a good standing, you can upgrade to the Preferred Checking account.

Zing has branches in Denver and Littleton, Colorado.