Banks That Don’t Use ChexSystems in Indiana

Struggling to open a checking account in Indiana 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 Indiana

We’ve compiled a comprehensive list of Indiana banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

U.S. Bank

Our Top Pick

Features & Benefits

  • Up to $450 bonus
  • Minimum opening deposit of $25
  • Monthly service fee: $0 or $6.95
  • Over 40,000 surcharge-free MoneyPass ATMs

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

  • Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
  • Subject to certain terms and limitations. Offer valid through September 26, 2024. Member FDIC.
  • Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

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.


Our Second Pick

Features & Benefits

  • Up to 5.21% APY on savings
  • Up to 2% cash back
  • No minimum balance requirement
  • No monthly fees or overdraft fees

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 ATM 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 5.21% APY, giving you a remarkable opportunity to grow your savings faster.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.


Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 4.60% APY on savings
  • Over 55,000 fee-free ATMs

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 are entitled to an annual percentage yield (APY) of 4.60% on their savings and 0.50% on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.


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

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.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

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.


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 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.

First Tech Federal Credit Union

Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • No minimum balance requirements
  • Earn up to 5.00% APY
  • Over 30,000 fee-free ATMs

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees. Members can take advantage of a $300 bonus simply by establishing a qualifying payroll direct deposit of $1,000 or more per month for three consecutive months.

These accounts offer competitive interest rates, with the potential to earn up to 5.00% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers, contributing to a comprehensive and secure banking experience.

3Rivers Federal Credit Union

Onward Checking from 3Rivers Federal is a second chance checking account designed for people who have had previous financial problems. 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 Fort Wayne, Decatur, Auburn, Bluffton, Columbia City, and Kendallville.

AAA Federal Credit Union

AAA Federal offers Fresh Start Checking for credit-challenged individuals. You can gain access to banking services such as checking, a debit card, and even loans.

After one year of successfully managing your account, you can upgrade to a traditional account.

There are two branches in South Bend and one in Mishawaka. Membership is available for anyone who lives, works, worships, attends school, or volunteers in St. Joseph County, Indiana.

Centra Credit Union

After joining Centra, you can take advantage of their Opportunity accounts. The first step is to open an Opportunity Savings account with a $5 deposit.

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.

CommunityWide Federal Credit Union

CommunityWide Federal requires a credit check rather than a pull of your ChexSystems record, which could improve your chances of getting approved. You need $15 to open your account and if you keep at least $500 in your account, you can earn interest.

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

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.

Diamond Valley Federal Credit Union

Fresh Start Checking from Diamond Valley Federal can help you rebuild your financial history. 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.

First Financial Bank

First Financial Bank has a second chance checking account called CLEANslate Checking. It offers a fresh start regardless of your checking history.

There’s a $50 opening deposit, but no minimum balance requirement moving forward. The monthly fee is $10, and you get quite a few perks along with it.

You’ll receive a debit card along with free ATM access, and you even get a free gift when you open at a banking center. There are also plenty of digital features, including mobile deposits and online and mobile banking.

First Trust Credit Union

Instead of ChexSystems, First Trust relies on a credit report pull to approve new applicants. There are two account options, with the more accessible one being their Traditional Checking.

There’s no monthly fee or minimum balance requirement. You can also get a Visa check card, unlimited check writing, overdraft protection, and courtesy pay.

To be eligible for membership with First Trust, you must live or work in La Porte, Porter, Jasper, Newtown, or Pulaski County.

Another method is to work with a community partner or have a relative who’s already a member. Branches are located in Michigan City, La Porte, Valparaiso, and Wheatfield.

GenFed Financial Credit Union

GenFed Financial offers a second chance checking account called Clean Start Checking.

To be eligible, you can have no more than three records in ChexSystems with an outstanding total of less than $500.

There are no minimum balance requirements, and the monthly fee is $5. If you successfully manage your account for a year, you can bump up to GenFed’s Free Checking or Dividend Checking.

Heritage Federal Credit Union

You can apply for Second Chance Checking at Heritage Federal. There’s a monthly service charge of $10, but otherwise, you get access to typical financial services.

All accounts come with a MyMoneyCard, which can be used anywhere that accepts Visa debit cards. You also get online and mobile banking, plus bill pay.

You can become a member if you live, work, worship, or attend school in Vanderburgh, Warrick, or Posey Counties in Indiana. There are 11 branch locations spread out in Indiana and Kentucky.

Horizon Bank

Fresh Start Checking is available from Horizon Bank and there’s just a $5 monthly service fee. You don’t need a minimum opening deposit or an ongoing balance either.

Perks include a free debit card, unlimited check writing, online banking, and bill pay. Sign up for e-statements to get the monthly $3 paper statement fee waived.

Horizon Bank has a large footprint in Indiana, with branches located across the state. They’re especially prevalent in northern and central Indiana.

Kentland Bank

You just need two forms of identification to open an account with Kentland Bank. 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.

Members Source Credit Union

Members Source is non-ChexSystems so you could qualify for an account with them. 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 Merrillville, Griffith, Munster, Hammond, and Dyer.

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.

MidWest America Federal Credit Union

Midwest America Federal Credit Union uses Telecheck instead of ChexSystems when screening new applications.

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

The Freedom Checking account has no monthly service fee and no minimum balance requirement. It also offers overdraft protection options, and free online and mobile banking.

Old National Bank

You may be able to qualify for EZ Access Checking from Old National Bank. It’s a basic account with a $4.95 monthly fee. There’s no minimum balance, and you get five free money orders each month.

You won’t get access to overdraft protection, but you can take advantage of online bill pay, mobile deposit, a digital wallet, and Popmoney.

Old National Bank has branches across the Evansville area. You also get free access to over 64,000 Allpoint ATMs located throughout the U.S.

One Vision Federal Credit Union

One Vision Federal has second chance checking called Rising Star Checking. The monthly fee is $15, but you can get that lowered to $10 if you meet the following requirements.

First, you must complete One Vision’s financial education workshop. Additionally, you must maintain a minimum balance of $30. You also need to sign up for monthly direct deposit to get the fee discount.

How can you become a member? You must live, work, worship, or attend school in one of the following counties: Clark, Floyd, or Harrison.

Once you complete your application, you must pay a one-time $1 membership fee. Then, you’ll need to open a Prime Share account that has at least $5 in it.

Park Community Credit Union

Rather than use ChexSystems, Park Community runs a credit report to determine eligibility for a checking account. There are several checking options to choose from, but the most basic option is called Freedom Checking.

If you sign up for direct deposit of at least $400 a month, you can get the monthly fee waived. There’s also unlimited bill pay and check writing, with no minimum balance required.

Park Community is primarily located in Kentucky, but there are two branches in southern Indiana. You’ll find one in New Albany and the other in Clarksville.

Regional Federal Credit Union

Even if you’ve had a rocky financial past, you can apply for Regional Federal’s First Step Checking. Direct deposit is required to qualify, and you’ll have to pay an $8 monthly fee.

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. Another perk is the potential to apply for a Step Up loan if you ever need a personal loan for some reason.

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.

Republic Bank

Republic Bank has a second chance checking account called Checking Builder Account. It requires a $50 deposit, a social security number, and government ID.

If you’re in ChexSystems, you may need to provide documentation that you have satisfied any debt you may have had with a former financial institution.

The monthly fee is $12.95 a month. However, this amount can be reduced if you sign up for direct deposit, or have at least 20 debit transactions a month.

Checking Builder doesn’t require a minimum balance, and comes with free internet banking, free bill pay, and unlimited check writing. You get free ATM transactions with Republic Bank, Presto, Sum, MoneyPass, or Allpoint ATMs.

Staley Credit Union

Staley Credit Union offers a second chance checking account called Renew Checking. It’s designed for anyone looking to repair their checking history.

Renew Checking requires a $50 deposit to get started, and there is a $7 monthly service fee.

Renew Checking comes with free online and mobile banking, free bill pay, a free debit card, and access to over 5,000 free nationwide ATMs. Overdraft protection options are also available to members.

Transferring to a standard checking account is possible if you maintain a positive balance in the account during the first year.

United Fidelity Bank

United Fidelity Bank offers a second chance checking account called New Day Checking. The minimum opening deposit is a low $25 and after that, you don’t have to maintain a certain balance. The monthly fee is also reasonable at just $8.

After you’ve gone 12 consecutive months without an instance of non-sufficient funds, you can request to have the monthly fee removed completely. You’ll also need to reach 6 months of no non-sufficient funds to qualify for a Visa debit card.

However, you’ll automatically be eligible for unlimited check writing and online banking with bill pay. There are also multiple locations throughout Indianapolis and Evansville.

Woodforest National Bank

Woodforest offers a second chance bank account to members at over 700 branches in 17 states.

The minimum opening deposit is just $25, and you’ll also have to pay a one-time setup fee of $9.

It also comes with a monthly fee of $11.95. You can get it reduced to $9.95 by enrolling in direct deposit. Another small fee is a paper statement fee of $3 per month. It can be waived completely by signing up for e-statements.