Banks That Don’t Use ChexSystems in Kansas

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.

Chime

Our Top Pick
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Features & Benefits

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

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 has no monthly fees:

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

You can also start building your credit7 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 charges1.

Chime has over 60,0001 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

Chase

Our Second Pick
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Features & Benefits

  • No credit check or ChexSystems
  • $100 bonus after 10 purchases in 60 days
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

Current

Our Third Pick
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

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.

U.S. Bank

U.S. Bank is offers the Smartly™ Checking account, which is currently available in 26 states across the United States.

If you live in one of the following 26 states where this account is available, you can apply online: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY.

You can earn up to $300 when you open a new Smartly™ Checking account and a Standard savings account, and complete qualifying activities. This offer is valid through February 28, 2023, and subject to certain terms and limitations.

The Smartly™ Checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly Direct Deposit of $1,000.

Axos Bank

The Rewards Checking account from Axos Bank is an excellent choice for those looking for a bank account with no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and cash back rewards.

With this account, you can earn up to 1.25% APY and enjoy up to a $100 Welcome Bonus. Additionally, you’ll have access to unlimited free mobile deposits and your funds will be FDIC insured up to $250,000.

There are no overdraft fees or non-sufficient fund fees to worry about, and no minimum balance requirements.

All you need is a $50 deposit to open the account, and Axos Bank doesn’t use ChexSystems or pull your credit report to open your account.

Aspiration

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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.

BankWest of Kansas

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.

Credit Union of America

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.

Central National Bank

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

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

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.

Corporate America Family Federal Credit Union

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.

KC Fairfax Federal Credit Union

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.

United Consumers Credit Union

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.