Banks That Don’t Use ChexSystems in Indiana

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

Features & Benefits

• Up to 4.14% APY on savings
• Up to 2% cash back
• No minimum balance requirement
• No monthly fees or overdraft fees

Features & Benefits

• Sign-up bonus up to $300 with qualifying direct deposits
• No monthly fee
• Earn up to 4.00% APY on savings
• Over 55,000 fee-free ATMs

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

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

Features & Benefits

• Up to $300 sign-up bonus with direct deposit
• Earn up to 3.50% APY
• No minimum balance requirements
• Over 30,000 fee-free ATMs

Onward Checking from 3Rivers Federal Credit Union is a second chance checking account designed for members 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 Auburn, Bluffton, Columbia City, Decatur, Fort Wayne, and Kendallville.

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.

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 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.

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 South Bend, Mishawaka, Granger, Elkhart, Plymouth, Goshen, and Warsaw.

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 offers a second chance checking account in Indiana called NoWorry Checking, aimed at helping customers manage their finances without the worry of overdraft fees.

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.

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.

Heritage Federal offers Second Chance Checking with a $10 monthly service fee, providing access to standard banking services.

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.

Horizon Bank offers Fresh Start Checking, which has a $5 monthly service fee and no required minimum deposit or balance.

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.

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.

Liberty Federal Credit Union offers Opportunity Checking, a second chance account designed for those who’ve faced challenges with past banking accounts.

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.

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 uses Telecheck rather than ChexSystems to screen new applications. 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.

Old National Bank offers the EZ Access Checking account, which has a $4.95 monthly fee with no minimum balance. 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.

Park Community Credit Union uses a credit report instead of ChexSystems to determine checking account eligibility. 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.

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.

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 now Simple Access Checking, which is designed to provide affordable, convenient banking with no overdraft fees.

Staley Credit Union provides a second chance checking option called Renew Checking, aimed at those who need to rebuild their financial history. 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.

United Fidelity Bank offers the New Day Checking account, a second chance option designed for those looking to rebuild their financial standing.

Woodforest National Bank offers a second chance checking account designed to help individuals rebuild their banking history. 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.