Struggling to open a bank account in Colorado because of a ChexSystems record? You’re not alone. This system reports past banking issues and can keep you locked out of traditional accounts.
The good news is there are second chance banks in Colorado—and even a few that don’t use ChexSystems at all. These banks can help you get back to banking with fewer hurdles.
Non-ChexSystems & Second Chance Banks in Colorado
We’ve compiled a comprehensive list of Colorado banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
SoFi
Features & Benefits
- Sign-up bonus up to $300 with qualifying direct deposits
- No monthly fee
- Earn up to 3.80.00% APY on savings
- Over 55,000 fee-free ATMs
Current
Features & Benefits
- Build credit just by using your debit card
- No minimum balance or monthly fees
- 40,000 fee-free Allpoint ATMs in the U.S.
- Get paid up to 2 days faster
Chime
Features & Benefits
- Over 22 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
- Over 60,000 fee-free1 ATMs
U.S. Bank
Features & Benefits
- Up to $400 bonus
- Minimum opening deposit of $25
- Monthly service fee: $0 or $6.95
- Over 40,000 surcharge-free MoneyPass ATMs
Upgrade
Features & Benefits
- Up to 4.02% APY on savings
- Up to 2% cash back
- No minimum balance requirement
- No monthly fees or overdraft fees
5Star Bank
5Star Bank uses ChexSystems for checking account applications, but certain conditions may allow you to get approved even with a ChexSystems record.
Bellco Credit Union
Bellco Credit Union offers the Simplicity Checking account, certified by Bank On Denver.
BOK Financial
BOK Financial uses ChexSystems for new account applications but offers the Opportunity Banking account as a second chance option for those who may not qualify for their other accounts.
Equitable Savings and Loan Association
Instead of referencing ChexSystems during the application process, Equitable Savings and Loan Association instead pulls a credit report.
Metrum Community Credit Union
Metrum Community doesn’t advertise a second chance checking account, but you may be able to get one if you ask in person.
NuVista Federal Credit Union
At NuVista Federal, you may qualify for The Last Chance Checking account.
Partner Colorado Credit Union
Partner Colorado Credit Union offers the Fresh Start Checking account, specifically designed for those who have encountered challenges opening a checking account in the past.
Sunflower Bank
Sunflower Bank offers the Achievement Checking account, designed for individuals who do not meet the standard deposit account qualifications.
Westerra Credit Union
Westerra Credit Union offers the Everyday Money Account, a no-fee, no-requirement checking account that makes managing your finances easy.
Zing Credit Union
Zing Credit Union offers Second Chance Checking, designed for those with a less-than-perfect checking history.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming