Have you tried 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.
Aspiration’s Spend & Save Account is a 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.
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.
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.
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.
Citizens State Bank doesn’t use ChexSystems. They require 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, and bill pay.
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.
Community Bank and Trust has four different checking accounts available. They are 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. There are no minimum balance requirements or monthly frees.
You also get a free debit card, unlimited checking writing, mobile banking, and free E-statements.
Members of Corporate America Family Federal can apply for Fresh Start Checking. You’re required to keep $100 in your Regular Share Account and the monthly fee is $10.
You can also sign up to take an online class called Get In Balance. Use it to learn the most effective ways to become a successful account holder.
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.
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.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment ﬁle from the payer. Chime generally make these funds available on the day the payment ﬁle is received, which may be up to 2 days earlier than the scheduled payment date.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for banking.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia