Banks That Don’t Use ChexSystems in Louisiana

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or 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.

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

They offer seven different checking account options, with the Economy Checking being a popular choice.

This account requires a $100 initial deposit and a $500 minimum balance. If the balance drops below $500, a $7.50 monthly fee applies.

Regardless of which account you choose, all members enjoy unlimited check writing, free online banking, and mobile banking. The mobile app provides convenient features such as balance checks, transfers, and remote check deposits.

Bank of Montgomery has locations in Alexandria, Benton, Castor, Cloutierville, Haughton, Many, Montgomery, Natchitoches, Pineville, Ringgold, Shreveport, and Woodworth.

The account has a $10 monthly service fee and requires a $100 minimum deposit or direct deposit to open. After one year, members can request to convert to a standard checking account.

Members enjoy benefits like a Barksdale Federal Visa® Debit Card with Rewards, unlimited check writing, and free online, mobile, and text message banking.

The account has no dividend earnings, but the $6 monthly maintenance fee can be waived with a $200 daily balance or a BFCU loan.

Barksdale Federal has branches in the following Louisiana cities: Alexandria, Benton, Bossier City, Cotton Valley, DeRidder, Fort Polk, Hodge, Leesville, Oakdale, and Shreveport.

They offer seven different checking accounts, including a traditional option with a $7 fee if the account balance drops below $1,000.

However, after maintaining an account for five years, the service fee is waived regardless of the balance.

Community Bank has twelve branch locations in Louisiana, with branches in Bossier City, Gloster, Logansport, Mansfield, Many, Shreveport, and Stonewall.

Each account requires a $100 initial deposit, and monthly fees range from $5 to $10, with Choice Checking offering $10 cashback on surcharge ATM fees.

Home Bank has branches across Louisiana in cities such as Baton Rouge, Broussard, Covington, Jennings, Lafayette, Mandeville, Metairie, New Orleans, Slidell, and St.Martinville, in addition to numerous other locations.

It includes a free VISA® Debit Card and requires eStatements, with a monthly fee of $11.95 if direct deposit is used or $13.95 without direct deposit.

JFFCU has branches in cities such as Baton Rouge, Denham Springs, Gretna, Harvey, Jefferson, Kenner, Livingston, Mandeville, Marrero, and Metairie, with additional locations available across the region.

They offer five types of checking accounts, all with a monthly fee of $8 unless a minimum balance of $1,000 is maintained.

The fee can also be waived if you make 10 or more ATM transactions per month and have at least $500 directly deposited into your account each month.

La Capitol Federal Credit Union has branches in Alexandria, Baton Rouge, Hammond, Harvey, Houma, Metairie, Monroe, Natchitoches, Oakdale, Pineville, and Ruston.

The account comes with a $10 monthly maintenance fee, requires a $50 minimum deposit to open, and direct deposit is mandatory.

While checks are not available, members receive a debit card for their transactions. Overdraft protection is also offered from savings.

Louisiana FCU has branches in Gramercy, Hammond, LaPlace, and Norco.

To be eligible, you must live, work, worship, or attend school in one of its nine participating parishes.

The credit union offers five checking account options, with only one having a $4.95 monthly service fee, which includes perks like roadside assistance and identity theft protection.

Neighbors FCU has 12 branches, including locations in Baton Rouge, Denham Springs, Port Allen, Prairieville, Walker, and Zachary.

To qualify for membership, you must be a current or retired New Orleans firefighter, work for a select employer, or live, work, worship, or attend school in eligible areas.

They offer various checking account options, all with free mobile and online banking, bill pay, unlimited check writing, a free debit card, and no monthly service fees.

Their Louisiana branches are located in Bogalusa, Lockport, Lutcher, Mandeville, Marrero, Metairie, New Orleans (Canal Street and General DeGaulle), and Slidell.

The account requires a $25 minimum deposit to open and has a $10 monthly fee. Overdraft options are available to members.

Pelican State Credit Union has branches in the following Louisiana cities: Baton Rouge, Denham Springs, Hammond, Jackson, Prairieville, and Zachary.

It offers the convenience of a free instant-issue debit card and full access to online banking for a low $10 monthly fee, with no minimum balance requirement.

Members can also take advantage of surcharge-free ATMs and ITMs, along with educational resources to help manage their finances more effectively.

Branches in Louisiana are located in Bastrop and several locations in Shreveport.

This account features no minimum balance requirement and a $10 monthly service fee. To open, you’ll need $50 and two forms of ID.

SLCU serves members in locations such as Lake Charles, Sulphur, and Longville, with multiple branches available for convenient access.

To become a member, you must live, work, or worship in Caddo or Bossier Parish, and open a savings account with a $25 deposit. A one-time $5 fee is part of that deposit, with the remaining $20 going into your account.

The credit union offers three types of checking accounts, including a free checking option with no monthly service fees or minimum balance requirements.

All members receive a free debit card, unlimited check writing, overdraft protection, and ScoreCard Rewards.

WESLA has branches and ATMs throughout Shreveport and Bossier City, Louisiana.