Banks That Don’t Use ChexSystems in Hawaii

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

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.

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

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.