Struggling to open a checking account in Idaho 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 Idaho
We’ve compiled a comprehensive list of Idaho banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
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 4.69% APY on savings
- Up to 2% cash back
- No minimum balance requirement
- No monthly fees or overdraft fees
SoFi
Features & Benefits
- Sign-up bonus up to $300 with qualifying direct deposits
- No monthly fee
- Earn up to 4.30% 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
- No credit check or ChexSystems
Chime
Features & Benefits
- Over 14.5 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
- Over 60,000 fee-free1 ATMs
First Tech Federal Credit Union
Features & Benefits
- Earn up to 4.00% APY
- No monthly fees
- No minimum balance requirements
- Over 30,000 fee-free ATMs
Capital Educators Credit Union
CapEd Credit Union, based in Idaho, offers various checking accounts without the need for ChexSystems, EWS, or Telecheck. However, they may pull a credit report as part of the application process.
Cottonwood Community Federal Credit Union
Cottonwood Community Federal Credit Union checks your Equifax credit report rather than ChexSystems when evaluating applications for checking accounts.
If your application is approved, you will have access to a share draft checking account, which includes a debit card and the ability to set up direct deposit.
Membership eligibility is extended to individuals who live, work, attend school, or worship in Idaho County or Lewis County. The credit union operates branches in Cottonwood, Craigmont, Nezperce, Kooskia, Grangeville, and Riggins.
First Interstate Bank
First Interstate Bank offers Simple Banking, a BankOn-certified account designed for those looking to rebuild their financial foundation.
Horizon Credit Union
Horizon Credit Union uses an applicant’s credit report, rather than ChexSystems, to approve new accounts. They offer various checking account options, including Replenish Checking, Summit, and Tether.
Idaho Central Credit Union
Idaho Central Credit Union uses a credit check instead of ChexSystems for new accounts and offers three checking options: Central Plus, Central, and Starter Checking.
Latah Federal Credit Union
Latah Federal Credit Union offers a Level Up Checking account designed to help members rebuild their financial standing. This second chance account comes with an $8 monthly fee, which is waived if you maintain an average daily balance of $100.
Mountain West Bank
Mountain West Bank offers several checking accounts without using ChexSystems, EWS, Telecheck, or credit reports during the application process. To open a checking account, there’s a minimum opening deposit of $50.
The options include Totally Free Checking, Easy Interest, 50+ Interest Checking, and Premier Interest Checking. Each account provides features such as free online and mobile banking, bill pay, a Visa debit card, and remote deposit.
Mountain West Bank has locations in Ketchum, Hailey, Boise, Eagle, Meridian, Nampa, Coeur d’Alene, Hayden, Post Falls, Sandpoint, Ponderay, and Bonners Ferry.
Pioneer Federal Credit Union
Pioneer Federal will likely approve you for an account if you have a minimum credit score of 500. If you don’t have any open collections on your credit report (besides medical or utilities) you could potentially qualify even with a lower credit score.
All checking accounts come with a monthly $1.99 fee. With Preferred Checking, you don’t have to worry about a minimum account balance.
Pioneer Federal has branch locations in Mountain Home, Glenns Ferry, Gooding, Boise, Meridian, Jerome, Nampa, Hailey, Twin Falls, Middleton, or Caldwell.
WaFd Bank
WaFd Bank’s Fresh Start Account is designed to help people rebuild their financial health.
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