Banks That Don’t Use ChexSystems in Kentucky

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.80% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $300 when you set up qualifying direct deposits.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 60,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

They provide four different checking options: Better Than Free Checking, Regular Checking, Now Account, and VIP Club Checking.

With the Better Than Free account, a $50 minimum deposit is required, but there are no ongoing balance requirements or monthly fees.

Customers enjoy unlimited free check writing and can easily manage their accounts online or over the phone at no additional cost. Bank of Clarkson operates branches in Clarkson and Leitchfield.

They offer various checking accounts, including Student, Elite, Regular, 55 Plus, Business, Nonprofit, and Now accounts.

The Regular Checking account includes free online banking and eStatements, with a $100 minimum opening deposit.

There’s a $7 monthly service fee, but it can be waived if your balance stays above $700 throughout the statement cycle.

Citizens Bank has two locations in Jackson and one in Beattyville, along with three ATM locations spread across both towns.

They offer two checking accounts: Basic Checking with no monthly fee, and Advantage Checking, which has a $7 fee that can be waived with a $500 daily balance or $10,000 combined balance.

Both require a $100 deposit to open and offer unlimited transactions and access to a CTB ATM/Debit card.

Community Trust Bank has branches in several cities across Kentucky, including Ashland, Berea, Corbin, Danville, Elizabethtown, Florence, Frankfort, Georgetown, London, Richmond, Winchester, and Williamsburg.

Customers can choose from three checking accounts: Hometown Living Checking, Hometown Loyalty Checking, and Hometown Legacy Checking.

The Hometown Living account has no monthly service fees or minimum balance requirements. Customers can write three free checks per cycle, with a $1 fee for each additional check. Debit cards are available upon request, and eStatements are free, while paper statements cost $2 monthly.

First & People’s Bank and Trust has branches in Russell, Flatwoods, Greenup, and South Shore, Kentucky.

As long as the report doesn’t contain excessive negative entries, applicants may be approved for an account.

The bank offers five checking accounts. The Free n’ Easy account is free with debit card activity and eStatements, requiring just a $50 deposit to open. It has no monthly fees or minimum balance, and comes with free online and phone banking, plus a debit card.

First State Bank has branches in Hardinsburg, Irvington, and McDaniels, Kentucky.

They simply require two forms of ID, one of which must be government-issued.

As long as applicants don’t owe money to First Southern, they may qualify for an account. Applications can be submitted online or at a local branch.

First Southern has branches across Kentucky in cities like Somerset, Nicholasville, Bethel, Bowling Green, Richmond, Stanford, Princeton, Wilmore, Russellville, Lancaster, Monticello, Central City, Lexington, Greenville, Bremen, and Wickliffe.

As long as you don’t owe Forcht Bank and can provide two forms of ID, you may be eligible to open a checking account.

Their Easy Checking account requires a $50 deposit to open and a $100 minimum balance.

If the balance falls below $100, there’s a $6 monthly fee. Account holders receive free eStatements, as well as access to online and mobile banking.

Forcht Bank has branches in Barbourville, Burlington, Campbellsville, Corbin, Crittenden, Dry Ridge, Greensburg, Lexington, London, Louisville, Richmond, Somerset, and Williamsburg, Kentucky.

It has no minimum balance, and any overdraft beyond the $100 protection limit is simply declined without fees.

The account also provides early access to direct deposits and federal tax refunds. The $4.95 monthly fee can be waived with a direct deposit, debit card transaction, or online bill pay each cycle.

With free online and mobile banking, Simple Access Checking also gives fee-free ATM access at over 90,000 ATMs via Republic Bank, Presto, SUM, MoneyPass, and Allpoint networks.

Republic Bank has branch locations in Louisville, Lexington, Shepherdsville, and Shelbyville.

Their checking accounts come with free online banking, a Visa card, email statements, and online bill pay, with overdraft protection also available.

The Free & Easy Checking account requires a $100 opening deposit but has no monthly fees.

Wilson and Muir have branches in Bardstown, Bloomfield, Vine Grove, Elizabethtown, Leitchfield, Big Clifty, and Louisville.