Banks That Don’t Use ChexSystems in Iowa

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 47,000 fee-free ATMs.

You can also build credit with the Chime Card, a secured Visa credit card with no annual fees, no interest charges, and no credit check required.

Direct deposit users can get paid up to two days early, and cash deposits are free at over 8,500 Walgreens locations.

The bank offers five different types of checking accounts: Totally Free Checking, Incentive Checking, High Interest Checking, 50+ Checking, and Interest Checking.

Totally Free Checking requires just a $25 deposit to open and has no monthly fees or balance requirements.

All accounts come with various perks, including a free box of checks, a debit card, online and mobile banking, bill pay, eStatements, and a complimentary “Thank You” gift.

Dewitt Bank and Trust has locations in DeWitt and Wilton, Iowa.

They offer a range of accounts, including checking, savings, and money market accounts. The free checking account requires an initial deposit of $50, with no monthly fees or limitations on check writing.

Additionally, Dupaco is part of the Co-Op Shared Branch network, giving members access to over 5,000 locations nationwide for free account access.

Dupaco operates 16 locations throughout Iowa, including branches in Asbury, Carroll, Cedar Falls, Cedar Rapids, Dubuque, Dyersville, Manchester, Marion, Peosta, and Waterloo.

The bank offers various checking account options with features like free eStatements, check images, and online/mobile access.

The Express Checking account requires a $100 opening deposit, with a $5 monthly fee that is waived if the account balance remains at or above $100. Unlimited debit card transactions are allowed, with a small $1 monthly fee.

Farmers and Merchants Savings Bank has branches in Iowa City, Lone Tree, Nichols, and Riverside, Iowa.

If the credit report has limited negative entries, you are likely to be approved for an account.

The bank offers three types of checking accounts: Everyday, Campus, and Investor. The Everyday Checking account requires a $100 opening deposit and a minimum balance of $750 to avoid a $4 monthly fee if the balance falls below that amount.

Farmers Bank is located in Spencer, Iowa.

The bank offers three types of checking accounts: Ultimate Checking, Green Checking, and Loyalty Checking.

The Ultimate Checking account has no minimum balance requirement and no monthly service fee. It also includes free eStatements and free online access.

Farmers State Bank has locations in Cedar Falls, Dunkerton, Gilbertville, Independence, Jesup, La Porte City, Waterloo, and Waverly, Iowa.

Once approved, you can select from several checking account options.

Their free checking account does not have a monthly fee or minimum balance requirement, and it includes unlimited check writing. The only requirement is a $100 opening deposit.

First Trust and Savings Bank has locations in Oxford and Coralville, Iowa.

Instead, they run a credit report, with a minimum credit score requirement of 580 for approval.

The bank offers eight unique checking accounts, including a free checking option that doesn’t require an opening deposit, has no monthly fees, and allows unlimited debit card transactions. This account also includes access to online and mobile banking.

Hills Bank and Trust Company has branches located in Cedar Rapids and Marion, Iowa.

Instead, it pulls a standard credit report during the approval process. If you’re only opening a savings account, no screening is required.

The bank offers several checking account options, many of which come with no monthly service fees or minimum balance requirements. All accounts include free online and mobile banking, bill pay, and eStatements.

Home State Bank is based in Jefferson, Iowa, and serves the local community with a full range of personal and business banking services.

However, they do conduct a credit check and require two forms of ID, one of which must be government-issued.

The bank offers four types of checking accounts—Premier, Value, Rewards, and To Go Checking.

The Rewards Checking account has no minimum balance requirement and includes free online bill pay and eStatements. However, a $5 monthly fee applies if the debit card isn’t used at least 10 times per month.

Iowa Falls State Bank serves its customers through branches located in Iowa Falls and Williams.

They offer a range of checking accounts, including Free Kasasa Cash Back, Free Kasasa Cash, Silver Advantage Account, ISB Interest Bearing Account, Regular Checking, and Free Checking.

Both Free and Regular Checking accounts require a $100 opening deposit. Free Checking has no monthly fees, while Regular Checking charges a $1 monthly fee and $0.10 per debit card use.

Iowa State Bank and Trust operates in Fairfield, Iowa, with two branch locations and four ATMs.

The bank offers various checking accounts for its customers, but their most popular checking account is Economy Checking.

The account only requires an opening deposit of $100, but doesn’t come with a minimum balance requirement. If you want paper statements, there’s a $3.00 monthly charge, but other than this charge (which is easy to avoid), there aren’t any monthly service fees.

You’ll find locations in Center Point, Keystone, Marengo, Pleasant Hill, and Victor.

They offer four types of checking accounts: GoPlus Checking, Go Checking, GoEasy Checking, and GoSmart Checking.

GoEasy Checking requires an opening deposit of $100, but doesn’t have any monthly service fees or balance requirements.

It comes with free online and mobile banking, remote mobile deposit, bill pay, as well as a debit card.

MBT Bank has locations in Clear Lake, Crystal Lake, Forest City, and Lake Mills.

Instead, they run a credit report. As long as the report doesn’t show too many negative entries, you should be able to open an account.

Checking accounts with Midland are free, and you can earn monthly dividends on balances greater than $500.

To join you must either live or work in Story, Jasper, Marion, Warren, Madison, Dallas, or Boone County.

You may also join if you have an immediate family member who is already a member, or if you work with a participating employer group.

You can find Midland locations in Urbandale and Pleasant Hill, Iowa.

They provide various checking account options, such as the Share Draft account, which has no balance requirement but includes a $3.21 monthly service fee.

For those seeking a fee-free option, the Minimum Balance Share Draft account is available, though it requires maintaining a $300 balance.

To become a member, you must live or work in one of the eligible counties, which include Buena Vista, Cherokee, Clay, Crawford, Dickenson, Ida, Lyon, Monona, O’Brien, Osceola, Plymouth, Sac, Sioux, or Woodbury.

North Star Community Credit Union operates in Cherokee, Ida Grove, and Sheldon, Iowa.

The bank offers various checking account options, including Rewards Checking, which has a $5 monthly fee but no minimum balance requirement.

This account provides online and mobile banking, free bill pay, and free eStatements. Additionally, it includes identity protection, discounts at local retailers, roadside assistance, and cell phone protection.

Peoples Trust and Savings Bank has branches in Adel, Clive, Grand Junction, Guthrie Center, Jefferson, Ogden, Rippey, Scranton, and Waukee.

The credit union offers various checking account options, including Smart Checking, which has no monthly service fees or balance requirements and comes with modern banking tools such as online banking, bill pay, and mobile deposit.

Membership is open to immediate family members of current members and individuals who live or work within 30 miles of a branch location.

R.I.A. Federal has branch locations in Bettendorf, Davenport, and Wilton, Iowa, as well as other areas in Illinois and Wisconsin, including Rock Island, Moline, Milan, and Silvis.

While they run credit reports for standard checking accounts, no screening is done if you are only interested in opening a savings account.

The credit union offers one personal checking account, known as a Share Draft account, which features no monthly fees or balance requirements. Additionally, it includes a free debit card for convenient access.

River Community is located in Ottumwa, Iowa.