Banks That Don’t Use ChexSystems in Idaho

Have you tried to open a checking account in Idaho, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Idaho use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Idaho

Take a look at this comprehensive list of banks and credit unions in Idaho that either don’t use ChexSystems, or offer second chance checking accounts.

Chime

Our Top Pick
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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 debit card, and a credit builder Visa® credit card, all with no credit check.

The Chime Checking Account has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no 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.

You can see why Chime is our #1 choice.

Chase

Our Second Pick
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Features & Benefits

  • No credit check or ChexSystems
  • $100 bonus after 10 purchases in 60 days
  • 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

Our Third Pick
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden 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

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.

Axos Bank

The Rewards Checking account from Axos Bank is an excellent choice for those looking for a bank account with no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and cash back rewards.

With this account, you can earn up to 1.25% APY and enjoy up to a $100 Welcome Bonus. Additionally, you’ll have access to unlimited free mobile deposits and your funds will be FDIC insured up to $250,000.

There are no overdraft fees or non-sufficient fund fees to worry about, and no minimum balance requirements.

All you need is a $50 deposit to open the account, and Axos Bank doesn’t use ChexSystems or pull your credit report to open your account.

Aspiration

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Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Capital Educators Credit Union

CapEd doesn’t access ChexSystems, EWS, or Telecheck. However, they may run a credit report when reviewing your application.

There are a few different checking accounts available, each of which comes with a debit card, checks, overdraft protection, and courtesy pay.

Good For Me Checking comes with no monthly fees or required minimum balance. Plus, you can earn 2% cash back on your debit card purchases and receive ATM refunds of up to $25. Other standard perks include online banking and bill pay.

You can become a CapEd member by having a connection to the education system in one of the following counties: Ada, Adams, Blaine, Boise, Camas, Canyon, Elmore, Gem, Gooding, Jerome, Lincoln, Owyhee, Payette, Valley, or Washington.

Alternatively, you can join the Idaho CapEd Foundation for a one-time fee of $20.

Cottonwood Community Federal Credit Union

Cottonwood Community Federal utilizes your Equifax credit report rather than your ChexSystems record. If approved, you can get a share draft checking account, which includes a debit card and direct deposit.

To become a member, you must live, work, attend school, or worship in either Idaho County or Lewis County. Branches are located in Cottonwood, Craigmont, and Nezperce.

Horizon Credit Union

Horizon relies on a credit report, not ChexSystems for new account approvals. There are three account options: Explore Youth Checking, Replenish, and Bridge.

The Replenish Checking account requires a minimum opening balance of $25 but there’s no monthly service charge. All accounts come with Horizon’s Home Banking mobile app, online statements, and mobile check deposit.

Other helpful tools include MX (an online money management resource), Popmoney, and purchase rewards.

Membership to Horizon is open to anyone who resides, works, or worships within Boundary, Bonner, Kootenai, Benewah, Shoshone, Latah, Nez Perce, or Lewis County of Idaho.

Idaho Central Credit Union

Idaho Central will run a credit check instead of your ChexSystems record.

You can choose from one of five checking accounts available: Free Checking, Go Green Checking, Money Market Checking, Starter Checking, and Classic Checking.

The Free Checking account has no minimum balance or monthly fee. You can get an instant-issue Visa debit card and could even qualify for a Visa credit card if approved.

Other benefits include online and mobile banking, plus the CardControl app that helps you manage your spending.

Idaho Central has branches in the following cities:

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

Latah Federal Credit Union

Latah Federal offers a Second Chance Checking account to help get you back into affordable checking. The monthly fee is $8, but it’s waived completely if you maintain an average daily balance of $100 in your account.

Otherwise, there’s no minimum balance required besides a $25 opening deposit. Along with your debit card comes unlimited transactions. Digital banking is available, but you’ll have to pay $6.45 monthly to take advantage of online bill pay.

If you’re interested in this account and want to become a member of Latah Federal, you must live, work, worship, or attend school in Latah, Benewah, Kootenai, Boundary, Bonner, Shoshone, Nez Perce or Lewis County.

There are five branches located throughout northern Idaho.

Mountain West Bank

Mountain West Bank does not use ChexSystems, EWS, Telecheck, nor does it pull a credit report when reviewing applications.

To open a checking, you’ll need a minimum opening deposit of $50.

Mountain West Bank offers four types of checking accounts: Totally Free Checking, Easy Interest, 50+ Interest Checking, and Premier Interest Checking.

Each account comes with a host of free features, some of which include:

  • Free online banking
  • Free bill pay
  • Free mobile banking
  • Free remote deposit
  • Free Visa Debit Card
  • Free eStatements

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 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.

Pine Tree Credit Union

You’ll have your credit report pulled when applying for a checking account with Pine Tree, but not if you just apply for a savings account.

The share checking account requires a $100 opening deposit but has no minimum balance requirement after that. There are no monthly fees with the account unless you use an out-of-network ATM or go into a negative balance on your account.

To become a member of PTCU, you must live, work, or worship, volunteer or attend school in Idaho County. You’ll also need to keep a $25 deposit in your savings account. You’ll find two branches, one in Grangeville and one in Riggins.

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.