Trying to open a checking account in Kansas but keep getting denied because of your ChexSystems record? You still have options to get back into banking. Even with a history of non-sufficient funds, multiple overdrafts, or unpaid balances, there are banks and credit unions with specific accounts designed to help rebuild your financial background.

Non-ChexSystems & Second Chance Banks in Kansas

Rather than spending hours searching online or calling individual banks, take a look at our complete list of banks in Kansas that don’t use ChexSystems or offer second chance checking accounts.

*It’s important to note that while some banks listed may not use Chexsystems, they may utilize a similar system to do a credit check like Early Warning Service (EWS).


Our Top Pick
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on Chime's secure website

Chime is another free online option for a checking account that doesn’t rely on ChexSystems for approval. It’s completely mobile and provides you with daily balance alerts, plus texts each time you make a purchase with your debit card. This helps to keep your account secure while also keeping you on top of your finances.

When you sign up for direct deposit with Chime, you’ll receive your funds up to two days quicker than you normally would. You can also open a savings account and link it directly to your checking account to conveniently set money aside. For cash, you get free access to ATMs through Visa Plus Alliance and MoneyPass locations.

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BankWest of Kansas

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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.

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Credit Union of America

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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.

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Central National Bank

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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.

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Citizens State Bank

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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.

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Community Bank and Trust

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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.

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Corporate America Family Federal Credit Union

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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.

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KC Fairfax Federal Credit Union

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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.

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United Consumers Credit Union

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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.

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Wells Fargo

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on Wells Fargo's secure website

The Opportunity Checking account from Wells Fargo is designed for people who have been turned down for a traditional checking account. The opening deposit required is $25 and then you’ll be required to pay $10 each month. You can, however, get this fee waived a few different ways:

  • Use your debit card at least 10 times per month
  • Get direct deposits of at least $500 each month
  • Keep a daily balance of at least $1,500

You can find Wells Fargo branches across the state of Kansas, primarily in the areas of Wichita and Kansas City.

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