Opening a checking account in Iowa isn’t always easy if ChexSystems has you flagged. Most traditional banks still use it to screen applicants for past banking trouble.
But not all do. There are second chance banks in Iowa that give you another shot, plus a few that skip ChexSystems entirely—so you can get back to everyday banking without the stress.
22 Banks in Iowa That Don’t Use ChexSystems
We’ve compiled a comprehensive list of Iowa banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
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Dewitt Bank and Trust
Dewitt Bank and Trust screens new applicants by running a credit report instead of using ChexSystems.
Dubuque Bank & Trust
Dubuque Bank & Trust does not use ChexSystems and offers four types of personal checking accounts:
Dupaco Credit Union
Dupaco Credit Union does not use ChexSystems, Telecheck, or EWS, but it does check credit reports if you want to obtain an ATM or debit card.
Farmers and Merchants Savings Bank
Farmers and Merchants Savings Bank is a non-ChexSystems bank. Instead of using ChexSystems, it requires two forms of identification and runs a credit report to approve new applicants.
Farmers Bank
Farmers Bank does not rely on ChexSystems, Telecheck, or EWS to screen new applications. Instead, they only require two forms of ID and conduct a credit report check.
Farmers State Bank
Farmers State Bank uses an Equifax credit report instead of ChexSystems for new applications, requiring a credit score of at least 600 for approval.
Federation Bank
Federation Bank doesn’t use ChexSystems when screening new applications.
First Trust and Savings Bank
First Trust and Savings Bank conducts a credit report check for new account applications rather than using ChexSystems.
Hills Bank and Trust Company
Hills Bank and Trust Company does not use ChexSystems to review new applications.
Home State Bank
Home State Bank does not use ChexSystems to review new account applications.
Iowa Falls State Bank
Iowa Falls State Bank doesn’t rely on ChexSystems, Telecheck, or EWS when evaluating new account applications.
Iowa State Bank
Iowa State Bank and Trust runs a credit report check when opening checking or savings accounts, but does not use ChexSystems at any point during the application process.
Keystone Savings Bank
Keystone Savings Bank is a non-ChexSystems bank. To screen new applications, it uses Telecheck instead, and if you want a debit card they’ll also run a credit report.
MBT Bank
MBT Bank runs an Equifax credit report on new applications in lieu of ChexSystems.
Midland Credit Union
Midland Credit Union doesn’t use ChexSystems when screening new applications. 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.
North Star Community Credit Union
North Star Community Credit Union does not use ChexSystems for screening new applicants.
Peoples Trust and Savings Bank
Peoples Trust and Savings Bank does not use ChexSystems to screen new applications, relying solely on credit reports instead.
R.I.A. Federal Credit Union
R.I.A. Federal Credit Union doesn’t use ChexSystems, Telecheck, or EWS but does run credit reports for new applications.
River Community Credit Union
River Community Credit Union does not use ChexSystems to screen new applications.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming