Getting back into the banking system in Colorado after a troublesome history doesn’t have to be as difficult as you may think. There are actually numerous credit unions and banks in Colorado that don’t use ChexSystems or that offer second chance checking accounts.

Why would you need one of these banks?

The most likely reason is that you’ve been denied a traditional checking account because of your history in ChexSystems. Your records may reflect past mistakes such as outstanding fees owed to a previous bank or a consistent history of overdrafts or non-sufficient funds.

But even if you have these types of items attached to your name in ChexSystems, you could still qualify for a checking account in Colorado — you just have to know where to look.

Non-ChexSystems & Second Chance Banks in Colorado

To get you started, here are our top picks for the best non-ChexSystems and second chance checking accounts in Colorado.


Our Top Pick
Apply Now

on Chime's secure website

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Current's secure website

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile banking account includes fee-free overdraft protection of up to $100. You also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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Our Third Pick
Apply Now

on Sable's secure website

Sable allows you to open a bank account with a debit card and secured credit card in just 5 minutes.

There are no credit checks, no fees, and no minimum deposit required. You can also get an unsecured credit card in about 4 months after using your secured card. That’s 3x faster than what traditional banks offer.

The Sable credit card offers 2% cashback on your favorite brands.

To open a Sable account, you don’t need a social security number or U.S. credit history. You can also send money to 55+ countries and get multilingual customer support.

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5Star Bank / AFBA

Apply Now

on 5Star's secure website

AFBA does use ChexSystems to review checking account applications, but you may be able to get approved if you meet certain conditions. For example, you may get approved if you don’t have any records over $200 and the incident occurred more than six months ago.

You also can’t have any instance of fraud on your ChexSystems record. Signing up for direct deposit can also help your chances of getting approved with this bank.

There are three accounts you can choose from E-checking, Military Checking, and 5Star Checking. The most basic option is E-checking, which requires a $50 opening deposit but no monthly or annual maintenance fees. You’ll receive a debit card and will need an approved credit score to qualify for overdraft protection.

5Star Bank has three branch locations in Colorado Springs, plus multiple ATMs.

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BOK Financial

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on BOK Financial's secure website

While BOK Financial does use ChexSystems for new accounts, they offer an Opportunity Banking account to help you get a second chance. There’s a monthly fee with this option, which is $9.95 if you enroll in direct deposit, or $14.95 if you don’t. You get a debit card as well as online and mobile banking, and bill pay.

In addition to a large ATM network across the country, you can also request one overdraft fee refund each year. It’s a nice bonus perk as long as you remember to use it. To save a monthly paper statement fee of $1.50, you can also switch to e-statements for free.

Get started with a $50 deposit into your Opportunity Banking account. After you’ve managed your account well for a year, they could approve you for an upgraded checking account.

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Equitable Savings and Loan Association

Apply Now

on Equitable's secure website

Instead of referencing ChexSystems during the application process, Equitable Savings and Loan Association instead pulls a credit report. 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.

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Liberty Savings Bank

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on Liberty Savings' secure website

Liberty Savings Bank offers the Clean Slate Checking account, a second chance account that comes with just a few restrictions. To qualify, you should have no more than three incidents reported to ChexSystems.

In most cases, you’ll get approved if you meet this requirement. After you’ve successfully managed your account for a year, you may also be able to switch to another checking account.

You can apply for the Clean Slate Checking account online or in person. Colorado branch locations for Liberty Savings Bank can be found in Granby and Denver. Once you’re approved, you can take advantage of online banking, as well as their mobile app. Bill pay is also available to stay on top of your monthly obligations.

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Metrum Community Credit Union

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on Metrum Community CU's secure website

Metrum Community doesn’t advertise a second chance checking account, but you may be able to get one if you ask in person. Obviously, 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.

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NuVista Federal Credit Union

Apply Now

on NuVista's secure website

At NuVista Federal, you may qualify for The Last Chance Checking account. 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.

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UNIFY Financial Federal Credit Union

Apply Now

on UNIFY's secure website

You can qualify for UNIFY Financial Federal’s Right Start Checking account despite your history in ChexSystems. It’s also a good option if you’ve never had a checking account before and are trying to get approved for your first-ever account.

There’s no minimum balance requirement and the opening deposit required is just $25. Plus, there’s no monthly maintenance fee to worry about. You get to access UNIFY’s online banking services and can sign up for overdraft protection up to $250.

In addition to co-op shared branches, UNIFY Financial Federal has a branch located in Aurora, Colorado. The membership requirements for this credit union are extremely lax; you’ll just need to be a U.S. citizen or permanent resident. You’ll need a social security or tax identification number, as well as a government-issued photo ID.

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White Crown Credit Union

Apply Now

on White Crown CU's secure website

You could qualify for a checking account with White Crown even if with a history in ChexSystems, as long as any owed amounts are paid and you don’t have any record of fraud.

The Free Checking account comes with 50 free checks and unlimited check writing abilities. Plus, you’ll receive a free MasterCard debit card, giving you plenty of flexibility in how you pay for things from your checking account.

If you sign up for direct deposit, you could also qualify for overdraft protection up to $750. As with most checking accounts today, they also offer free services such as online banking and bill pay.

Located in Denver, Colorado, membership to White Crown is open to anyone who lives, works, or worships in the downtown Denver area. There’s also a long list of partnering employers. You can also qualify if you work at any of those or if you’re a family member who is already a member.

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