Banks That Don’t Use ChexSystems in Indiana

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% 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 $400 when you set up qualifying direct deposits.

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 47,000¹ 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.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

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.

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 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.

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.

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.