Banks That Don’t Use ChexSystems in Hawaii

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.

The EASE account is paper-free, check-free, and has no overdraft fees, making it a convenient and accessible option for those looking to manage their finances more effectively.

It requires a $25 minimum opening deposit, has a $3.25 monthly fee, and includes essential banking features like online and mobile banking, person-to-person payments, and a debit card.

Bank of Hawaii has branches in major cities across Hawaii, including Aiea, Ewa Beach, Hilo, Honolulu, Kahului, Kailua, Kapolei, Pearl City, Waipahu, and Wailuku. Other locations are also available throughout the islands.

Their regular checking account option doesn’t have a required opening deposit, minimum account balance, or monthly fee.

Plus, you get perks like online banking and bill pay, mobile banking and check deposit, and overdraft protection.

Membership to CU Hawaii Federal is open to anyone who lives or works on the Islands of Hawaii. Branches are located in Hilo, Kailua-Kona, Kea’au, Na’alehu, Ocean View, Pahala, and Pahoa.

If you qualify for an account, you can choose from one of several Kasasa rewards accounts, or a traditional share draft account.

This last option has no monthly fee or minimum balance and just requires a $25 opening deposit. Plus, you earn credit union dividends, no matter what your balance may be.

Interested in joining Gather Federal? Membership is open to anyone who lives, works, attends school, or worships on the islands of Kauai and Niihau.

There’s a one-time membership fee of $1, and you’ll also need to deposit $5 into your share savings account. Branches are located in Lihue, Waimea, Eleele, and Kapaa.

They have a free account called Check Advantage. It doesn’t come with a monthly fee or a minimum balance requirement, making it a low-cost option for account holders.

When opening your account, however, you do need to deposit $50 into a share savings account.

To join Hawaii Community Federal, you must live, work, worship, attend school, or volunteer on Hawaii Island. Locations are in Kaloko, Kailua-Kona, Kealakekua, Kohala, and Honoka’a.

To get a checking account, they’ll use either ChexSystems or Unicheck.

If you can qualify, they offer Value Checking, which comes with all the basic account features you need to manage your finances. There’s no balance requirement or monthly service fee, and the opening deposit minimum is a mere $5.

To become a member, you must live, worship, work, or go to school on the island of Oahu. There are 12 locations across Honolulu, Kapolei, Waipahu, Kahului, Pearl City, and Wheeler AAF.

Opening an account requires a deposit of just $20, and account holders must maintain a balance of $10 or more. With a low monthly fee and access to over 30,000 fee-free ATMs, this account provides affordable banking solutions.

Additionally, HawaiiUSA provides financial management resources and coaching to help account holders improve their financial health.

After a year of responsible management and completion of financial courses, the MyChance Checking Account can be converted to a standard checking account.

HawaiiUSA Federal Credit Union has branches in several cities, including Honolulu, Kaneohe, Aiea, Pearl City, Ewa Beach, Waipahu, Mililani, and Kapolei.

Each of their three main checking accounts—Choice Checking, Select Checking, and Premium Select Checking—requires a minimum deposit of $100 to open, and there are no monthly maintenance fees.

Customers also enjoy access to free online and mobile banking, and all accounts come with a Visa debit card.

HomeStreet Bank participates in the MoneyPass ATM network, granting users access to thousands of fee-free ATMs. The bank has branches in several Hawaiian cities, including Honolulu, Kahala, Pearl City, and Hilo.