Banks That Don’t Use ChexSystems in Kansas

Features & Benefits

• Up to $450 bonus
• Minimum opening deposit of $25
• Monthly service fee: $0 or $6.95
• Over 40,000 surcharge-free MoneyPass ATMs

Features & Benefits

• Up to 5.02% APY on savings
• Up to 2% cash back
• No minimum balance requirement
• No monthly fees or overdraft fees

Features & Benefits

• Sign-up bonus up to $300 with qualifying direct deposits
• No monthly fee
• Earn up to 4.50% APY on savings
• Over 55,000 fee-free ATMs

Features & Benefits

• Build credit just by using your debit card
• No minimum balance or monthly fees
• 40,000 fee-free Allpoint ATMs in the U.S.
• Get paid up to 2 days faster
• No credit check or ChexSystems

Features & Benefits

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

Features & Benefits

• Earn up to 4.00% APY
• No monthly fees
• No minimum balance requirements
• Over 30,000 fee-free ATMs

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 to get the monthly fee of $5.95 waived. These include enrolling in direct deposit, having a minimum combined deposit of $1,000, or having 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 at KC Fairfax Federal is available to anyone who lives, works, worships, or attends 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.