Banks That Don’t Use ChexSystems in Indiana

U.S. Bank is now inviting new customers to take advantage of a special online promotion:

• Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
• Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

The checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

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.

It comes with a free Visa debit card, and you can access tens of thousands of nationwide ATMs for free.

The monthly fee is $8, but there’s no minimum balance. Plus, 3Rivers will pay for your first overdraft fee. The account includes free online and mobile banking, plus bill pay.

3Rivers Federal has multiple branches in Indiana, including in Auburn, Bluffton, Columbia City, Decatur, Fort Wayne, and Kendallville.

The account gives you access to essential services, including a checking account, debit card, and eligibility to apply for loans once you’re a member in good standing.

There are no credit checks required to open the account, and it’s designed to help you rebuild your financial profile

After one year of responsible account use, you may qualify to upgrade to a standard checking account with more features and fewer restrictions.

Membership is open to anyone who lives, works, worships, attends school, or volunteers in St. Joseph County, Indiana.

AAA Federal operates two branches in South Bend and one in Mishawaka.

After that, you can sign up for Opportunity Checking. With direct deposit, the account costs $5 per month. Without direct deposit, you’ll pay $8 monthly.

Benefits of this account include a MasterCard debit card, online banking and bill pay, overdraft protection options, and unlimited check writing. There are limits, however, on your debit card and ability to cash checks.

Centra has locations in Carmel, Clarksville, Columbus, Edinburgh, Greensburg, Indianapolis, Jeffersonville, Madison, New Albany, North Vernon, Scottsburg, Sellersburg, Seymour, and Shelbyville.

You need $15 to open your account and if you keep at least $500 in your account, you can earn interest.

Membership is available to those who are an employee, retiree, or donor to one of several participating organizations in northern Indiana.

Even if you don’t work at one of these organizations, it’s easy to become eligible by making a donation to one of the non-profits, such as Goodwill, Housing Assistance Office, or Hope Rescue Mission.

You can find 11 CommunityWide branches in Elkhart, Goshen, Granger, Mishawaka, Plymouth, South Bend, and Warsaw.

It comes with the same perks as a regular account, including a Visa debit card, online banking, mobile banking, and bill pay.

The account requires an opening fee of $25, plus an ongoing $10 monthly maintenance fee.

To open an account with Diamond Valley, you must live, work, worship, or attend school in Vanderburgh County or be related to someone who does.

Branches are located in Evansville, Indiana.

The account has a $5 monthly service charge, no minimum balance requirement, and guarantees no overdraft fees.

You’ll also get access to 55,000+ fee-free ATMs, a free contactless debit card, and online banking tools for added convenience. A $25 initial deposit is needed to open the account.

First Financial Bank operates in multiple cities across Indiana, including Anderson, Bloomington, Carmel, Columbus, Elkhart, Fishers, Fort Wayne, Indianapolis, Lafayette, and Muncie.

First Trust uses a credit report to approve new applicants instead of ChexSystems. They offer two account options, with Traditional Checking being the more accessible choice.

This account has no monthly fees or minimum balance requirements and provides benefits like a Visa check card, unlimited check writing, overdraft protection, and courtesy pay.

To qualify for membership, you must live or work in La Porte, Porter, Jasper, Newton, or Pulaski County. You can also join through a community partner or if you have a relative who is already a member.

First Trust branches are located in Michigan City, La Porte, Valparaiso, and Wheatfield.

The account comes with a MyMoneyCard, usable wherever Visa debit cards are accepted, along with online and mobile banking, and bill pay.

Membership is available if you live, work, worship, or attend school in Vanderburgh, Warrick, or Posey Counties in Indiana.

Heritage Federal operates 11 branch locations across Indiana and Kentucky, with branches in Boonville, Elberfeld, Evansville, Haubstadt, Mt. Vernon, New Harmony, and Newburgh.

Perks of this account include a free debit card, unlimited check writing, online banking, and bill pay.

You can also avoid the $3 paper statement fee by opting for e-statements.

Horizon Bank has branches across Indiana, including cities like Carmel, Columbia City, Fort Wayne, Gary, Greenwood, Kokomo, Lafayette, Logansport, Marion, Noblesville, and Warsaw.

The most basic account option is Personal Checking, which requires an opening deposit of $100.

The monthly charge depends on how much money you have in your account. If you keep under a $250 balance, then you’ll pay an $8 monthly fee.

The cost lowers incrementally the higher balance you keep. It can be waived entirely if you’re a senior citizen, keep a high balance, or use less than five checks a month.

Kentland Bank branches can be found in Kentland, Lafayette, Lake Village, Rennselaer, and Roselawn.

With this account, you receive your choice of an ATM or debit card, along with access to free online services.

After keeping your account in good standing for 12 consecutive months, you can apply for an upgrade to one of their other checking accounts.

Liberty Federal has multiple branches across Indiana, including locations in Evansville, Fort Branch, Jasper, Mt. Vernon, Newburgh, Princeton, Vincennes, and Washington.

You’ll need a $100 deposit to open the account, but then there’s no minimum balance necessary.

You can sign up for automatic overdraft transfers, plus get unlimited check writing along with your Visa debit card.

There are broad membership requirements, so it’s easy to qualify. Their five branch locations include Dyer, Griffith, Hammond, Merrillville, and Munster.

Members Source lets you access your account nationwide at 5,000 co-op shared branches. You also get access to over 20,000 fee-free ATMs.

It offers three types of checking accounts: Reward Checking, Benefits Plus Checking, and Freedom Checking.

Freedom Checking has no monthly service fee and no minimum balance requirement, along with overdraft protection and free online and mobile banking.

Midwest America branches are located in several Indiana cities, including Angola, Bluffton, Columbia City, Decatur, Fort Wayne, Huntington, Kendallville, and New Haven.

This basic account includes five free money orders each month, but does not come with overdraft protection.

You can benefit from features like online bill pay, mobile deposit, a digital wallet, and Popmoney for sending and receiving funds. Additionally, you get access to over 64,000 Allpoint ATMs nationwide, free of charge.

Old National Bank has branches in several larger cities across Indiana, including Anderson, Bloomington, Carmel, Elkhart, Evansville, Fort Wayne, Gary, Greenwood, South Bend, and Terre Haute.

One of its most straightforward options is Freedom Checking, which has no minimum balance requirement.

The monthly fee can be waived if you set up a direct deposit of at least $400. Additional benefits include unlimited bill pay and check writing.

Though Park Community Credit Union is primarily based in Kentucky, it has two branches in southern Indiana, located in New Albany and Clarksville.

On the plus side, there’s no minimum balance required, and you get a free debit card and unlimited check writing.

You’ll also get access to a free educational service so you can get better at managing your finances.

To join Regional Federal, you must live in Northwest Indiana. Specifically, you should live, work, worship, or attend school in either Lake or Porter County.

Branches are located in Hammond and Valparaiso.

The account features no minimum balance and a fixed overdraft protection limit of $100, with any subsequent charges being declined without overdraft fees.

This account also allows early access to direct deposits and federal tax refunds.

It comes with a $4.95 monthly fee, which can be waived by meeting one of the following requirements per statement cycle: a direct deposit, a debit card transaction, or an online bill pay transaction.

In addition to free online and mobile banking, Simple Access Checking offers fee-free ATM transactions at over 90,000 ATMs through Republic Bank, Presto, SUM, MoneyPass, and Allpoint networks.

Republic Bank has branches in New Albany, Indianapolis, and Jeffersonville, Indiana.

With a $50 deposit to open and a $7 monthly fee, the account includes free online and mobile banking, bill pay, and a debit card.

Members also gain access to over 5,000 fee-free ATMs nationwide, along with overdraft protection options. If you maintain a positive balance for one year, you can transition to a standard checking account.

Staley Credit Union operates two branches in Lafayette, Indiana.

With a low $25 opening deposit, there’s no ongoing balance requirement, and the account carries an $8 monthly fee.

After 12 consecutive months without insufficient funds, you can request to have the monthly fee waived entirely.

Six months of no insufficient funds are required to qualify for a Visa debit card. Account holders are automatically eligible for unlimited check writing and online banking with bill pay.

United Fidelity Bank has multiple locations in Evansville, as well as branches in Carmel, Fort Branch, Mount Vernon, and Newburgh.

With over 700 branches across 17 states, this account provides accessible options for customers looking to get a fresh start.

The account requires a $25 opening deposit and includes a one-time setup fee of $9. The monthly maintenance fee is $11.95, but it can be reduced to $9.95 with direct deposit.

Customers can also opt for e-statements to avoid the additional $3 paper statement fee.

Woodforest National Bank has branches across Indiana, with locations in cities such as Anderson, Evansville, Fort Wayne, Greenwood, Indianapolis, Lafayette, Merrillville, Mishawaka, Terre Haute, and Valparaiso.