Banks That Don’t Use ChexSystems in Colorado

Struggling to open a checking account in Colorado due to a negative ChexSystems listing?

While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.

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.

Chime

Our Top Pick

Features & Benefits

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

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.

U.S. Bank

Our Second Pick

Features & Benefits

  • $400 sign-up bonus
  • Minimum opening deposit of $25
  • Monthly service fee: $0 or $6.95
  • Over 40,000 surcharge-free MoneyPass ATMs

U.S. Bank is now offering the Bank Smartly® Checking account, which is currently available in 26 states across the United States.

If you live in one of the following 26 states where this account is available, you can apply online: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY.

You can earn up to $400 when you open a new Bank Smartly® Checking account and a Standard Savings account, and complete qualifying activities. This offer is valid through June 20, 2023. Member FDIC.

The Smartly® Checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

GO2bank

Features & Benefits

  • No ChexSystems or credit check
  • 4.50% APY on savings
  • Over 19,000 fee-free ATMs
  • $5 monthly fee can be waived

GO2bank is a neobank offered by Green Dot, a well-established financial technology company. Customers can open a checking account featuring subaccounts known as vaults without a minimum balance requirement.

GO2bank provides an attractive 4.50% APY on savings accounts for balances of up to $5,000. Access to funds is made easy through cash deposits at 90,000 retail locations and fee-free ATMs at 19,000 locations.

Additionally, customers can receive their pay up to 2 days in advance and government benefits up to 4 days early via direct deposit.

You can also opt for overdraft protection up to $200 with eligible direct deposits.

GO2bank offers the GO2bank Secured Visa Credit Card, which can assist customers in building their credit over time through responsible use.

The $5 monthly fee is waived when you receive payroll or government benefits through direct deposit.

Chase

Features & Benefits

  • $100 bonus after 10 purchases
  • No credit check or ChexSystems
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

Current

Features & Benefits

  • No minimum balance or monthly fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster
  • No credit check or ChexSystems

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 bank account includes fee-free overdraft protection of up to $200. Account holders 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.

5Star Bank

5Star Bank 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.

BOK Financial

BOK Financial uses ChexSystems for new accounts. However, 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.

The minimum opening deposit is $50. To save a monthly paper statement fee of $1.50, you can also switch to e-statements for free.

After you’ve managed your account well for a year, they could approve you for an upgraded checking account.

Equitable Savings and Loan Association

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.

Liberty Savings Bank

Liberty Savings Bank has a second chance checking account called Clean Slate Checking. To qualify, you can’t have more than three reports in your ChexSystems record.

There is no minimum balance requirement, and you’re eligible for a regular account after 12 months.

The account comes with a free debit card with access to 55,000 AllPoint surcharge-free ATMs. You also get free online and mobile banking, and you can write an unlimited number of checks per month.

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.

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.

NuVista Federal Credit Union

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.

UNIFY Financial Credit Union

UNIFY Financial doesn’t use ChexSystems to screen new applications. They offer four different checking accounts: Free Checking, Right Start Checking, eChecking, and Premier Checking.

There’s a $25 minimum opening deposit. Each checking account comes with a free Visa Debit Card, free check writing, and free access to online and mobile banking.

White Crown Credit Union

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.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.