Banks That Don’t Use ChexSystems in Idaho

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.

Their checking accounts include standard features like a debit card, overdraft protection, and check-writing. Some accounts have no monthly fees and no minimum balance requirements.

You can qualify for membership if you have a connection to the education system in certain Idaho counties, including Ada, Adams, Blaine, Boise, Camas, Canyon, Elmore, Gem, Gooding, Jerome, Lincoln, Owyhee, Payette, Valley, or Washington.

If not, you can still join by becoming a member of the Idaho CapEd Foundation for a one-time $20 fee.

CapEd has branches in Boise, Caldwell, Eagle, Kuna, Meridian, Nampa, and Twin Falls.

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.

This check-free and overdraft-free account provides peace of mind with no surprise fees. Clients have access to a Mastercard® debit card, online banking, mobile banking, and free electronic statements.

There is a $5 monthly service charge that cannot be waived. Overdraft protection options and checks are unavailable with this account.

First Interstate Bank has branches in several cities, including Boise, Caldwell, Coeur d’Alene, Eagle, Emmett, Fruitland, Garden City, Hayden, Kuna, and Meridian, with additional locations in other cities in Idaho.

Each account requires a $25 minimum deposit, except for Explore Youth Checking, which only requires $10 to open. There are no monthly service charges for any of these accounts.

Features include online and mobile banking, a free Visa debit card, and access to over 30,000 surcharge-free ATMs through the CO-OP network.

Horizon Credit Union membership is available to anyone who lives, works, or worships in Boundary, Bonner, Kootenai, Benewah, Shoshone, Latah, Nez Perce, or Lewis counties in Idaho.

The credit union has branches throughout the state, including in Boise, Nampa, and Coeur d’Alene.

Central Plus Checking has a $7 fee and provides early direct deposits, free credit reports, and added security features.

Central Checking is a no-fee account with a Visa debit card, mobile banking, and early direct deposit access.

Starter Checking, tailored for teens, offers parent transfers and rewards for good grades, with no fees or balance requirements.

ICCU’s app includes credit score access, nationwide ATM use, and Zelle for transfers.

They have branches in Blackfoot, Boise, Burley, Caldwell, Chubbuck, Coeur d’Alene, Eagle, Hayden, Idaho Falls, Jerome, Kuna, Meridian, Nampa, Pierce, Pocatello, Post Falls, Rexburg, and Twin Falls.

This second chance account comes with an $8 monthly fee, which is waived if you maintain an average daily balance of $100.

There’s no ongoing minimum balance requirement beyond the $25 needed to open the account.

You also get unlimited debit card transactions. However, if you want to use online bill pay, there’s an additional charge of $6.45 per month.

Membership eligibility includes living, working, worshiping, or attending school in Latah, Benewah, Kootenai, Boundary, Bonner, Shoshone, Nez Perce, or Lewis County.

Latah Federal Credit Union has locations in Moscow, Potlatch, Kendrick, and Plummer, Idaho.

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.

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.

With a $25 opening deposit and a $4 monthly fee, it includes key features like mobile banking and no overdraft fees.

After maintaining a positive account history, you may qualify for an upgrade to a traditional checking account.

Branches are available in several cities across Idaho, including Boise, Caldwell, Eagle, Idaho Falls, Meridian, Nampa, Pocatello, Rexburg, Twin Falls, and more.