Are you trying to open a checking account in Kansas, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Kansas use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Kansas

Take a look at this comprehensive list of banks and credit unions in Kansas that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
Apply Now

on Chime's secure website

With Chime®, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Checking Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit 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 charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

Learn More →


Our Second Pick
Apply Now

on Aspiration's secure website

Aspiration’s Spend & Save Account hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Learn More →


Our Third Pick
Apply Now

on Current's secure website

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.

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.

Learn More →

BankWest of Kansas

Apply Now

on BankWest's secure website

You’ll need two forms of identification to open an account with BankWest of Kansas and your ChexSystems record shouldn’t be checked. If you’re approved, there are several checking accounts to choose from. The simplest version is Prestige Prime.

While it requires a steep $200 opening deposit, there’s no ongoing minimum balance required. There’s no base fee and you can use 40 checks for free each month; after that, there’s a $0.05 fee for each additional one.

There are three BankWest of Kansas branches, which are located in Goodland, Colby, and St. Francis.

Learn More →

Credit Union of America

Apply Now

on Credit Union of America's secure website

At Credit Union of America, you’ll have your credit report checked rather than your ChexSystems report. They offer three personal checking accounts: SimpleCheck, ConnectCheck, and ReserveCheck.

It’s easy to meet at least one monthly requirement in order to get the monthly fee of $5.95 waived. These include enrolling in direct deposit, having a minimum combined deposit of $1,000 or have at least $5,000 in loan balances.

To be eligible for membership, you must meet one of the following requirements:

  • Be employed or retired from the education field in Kansas
  • Work for an employer partner
  • Be a family member of an existing member
  • Live or work in one of the following counties: Barber, Barton, Butler, Chase, Clark, Clay, Cloud, Comanche, Cowley, Dickenson, Edwards, Ellis, Ellsworth, Ford, Geary, Harper, Harvey, Hodgeman, Kingman, Kiowa, Lincoln, Lyon, Marion, McPherson, Mitchell, Morris, Osborne, Ottawa, Pawnee, Pratt, Reno, Rice, Rooks, Russell, Rush, Saline, Sedgwick, Stafford, Sumner or Wabaunsee
  • Become a member of the American Consumer Council

There are multiple branch locations throughout the Wichita area.

Learn More →

Central National Bank

Apply Now

on Central National Bank's secure website

New Opportunity Checking is a second chance account available from Central National Bank. You get the same features as a traditional checking account and there’s no minimum balance required.

You’ll need just a $30 deposit to get started and then the monthly fee is $9.99. If you enroll in direct deposit, that fee drops to $7.99. You’ll get things like online and mobile banking, plus bill pay.

You’ll find Central National Bank branches throughout Kansas. Many locations are conveniently placed in Walmart centers.

Learn More →

Citizens State Bank

Apply Now

on Citizen's secure website

Rather than using ChexSystems, Citizens State Bank requires a valid photo ID and Social Security card to approve account holders. Their Free Checking account requires a $50 opening deposit but doesn’t come with a monthly maintenance fee. You don’t get access to check writing, but you do get an ATM card with unlimited withdrawals.

All accounts do come with online and mobile banking, as well as bill pay. In order to qualify for a new account, you must live in one of the following counties: McPherson, Harvey, Marion, Saline, Rice, or Reno. Citizens State Bank’s Kansas locations include Canton, Goessel, Hesston, McPherson, Moundridge, and Newton.

Learn More →

Community Bank and Trust

Apply Now

on Community Bank and Trust's secure website

You could potentially qualify for a checking account from Community Bank and Trust using just two forms of identification. There are four different checking accounts available: Absolutely Free Checking, Premier 50+ Free Interest Checking, Preferred Free Interest Checking, and Prestige Checking.

The most basic option is Absolutely Free Checking. It requires a $50 minimum deposit, but there’s no required balance after that. It really is free, with no monthly fee, and you also get a free debit card and no per check charge.

Online banking, unlimited bill pay, and mobile banking are also included with all checking account from Community Bank and Trust. There are locations in Galena and Riverton.

Learn More →

Corporate America Family Federal Credit Union

Apply Now

on Corporate American FFCU's secure website

Corporate America Family Federal offers Fresh Start Checking to help you rebuild your positive checking history. There’s a $10 fee each month with this account and you must also keep at least $100 in your share savings account. There’s also an online study course you can participate in to learn more about successfully managing your account.

To be eligible, you must become a member. There are a few different ways to be eligible, including one of the following options:

  • Be employed by a Sponsor Company
  • Have a family member who is a current member of CAFFCU
  • Live or work within a 25-mile radius of a branch
  • Become a member of The Hope Group

In Kansas, there is a branch located at the Sprint world headquarters in Overland Park.

Learn More →

KC Fairfax Federal Credit Union

Apply Now

on KC Fairfax FCU's secure website

You’ll have your Telecheck account checked rather than ChexSystems when you apply for an account with KC Fairfax Federal. There’s free checking available, but you’ll need to maintain a balance of at least $250.

If your balance drops below that, you’ll pay a low monthly service fee of $3. You’ll also need to open a share savings account which can be linked to your checking and used for overdraft protection.

Membership to KC Fairfax Federal is eligible to anyone who lives, works, worships, or goes to school in Wyandotte County, Kansas.

Learn More →

United Consumers Credit Union

Apply Now

on United Consumers' secure website

You can qualify for the Second Chance Checking account from United Consumers. It comes with both a debit card and unlimited checking. The minimum opening deposit is $100 and you’ll also pay a $10 monthly fee. After 12 months of successfully managing your account, you can switch to the Free Classic Checking account.

You do need to apply for Second Chance Checking in person, so visit a Kansas branch in Olathe. To become a member, you must live, work, or worship in Johnson County.

Learn More →