Banks That Don’t Use ChexSystems in Michigan

Struggling to open a checking account in Michigan due to a negative ChexSystems listing?

While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.

Non-ChexSystems & Second Chance Banks in Michigan

We’ve compiled a comprehensive list of Michigan banks and credit unions that allow anyone to open a checking account, regardless of their banking history.


Our Top Pick

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 4.60% APY on savings
  • Over 55,000 fee-free ATMs

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 are entitled to an annual percentage yield (APY) of 4.60% on their savings and 0.50% on checking accounts.

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


Our Second Pick

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 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.


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

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.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

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.

First Tech Federal Credit Union

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Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • No minimum balance requirements
  • Earn up to 5.00% APY
  • Over 30,000 fee-free ATMs

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees. Members can take advantage of a $300 bonus simply by establishing a qualifying payroll direct deposit of $1,000 or more per month for three consecutive months.

These accounts offer competitive interest rates, with the potential to earn up to 5.00% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers, contributing to a comprehensive and secure banking experience.


Features & Benefits

  • No ChexSystems or credit check
  • 4.50% APY on savings
  • Over 19,000 fee-free ATMs
  • $5 monthly fee can be waived

GO2bank is a neobank offered by Green Dot, a well-established financial technology company. Customers can open a checking account featuring subaccounts known as vaults without a minimum balance requirement.

GO2bank provides an attractive 4.50% APY on savings accounts for balances of up to $5,000. Access to funds is made easy through cash deposits at 90,000 retail locations and fee-free ATMs at 19,000 locations.

Additionally, customers can receive their pay up to 2 days in advance and government benefits up to 4 days early via direct deposit.

You can also opt for overdraft protection up to $200 with eligible direct deposits.

GO2bank offers the GO2bank Secured Visa Credit Card, which can assist customers in building their credit over time through responsible use.

The $5 monthly fee is waived when you receive payroll or government benefits through direct deposit.


Features & Benefits

  • $100 bonus after 10 purchases
  • No credit check or ChexSystems
  • 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.

Copoco Community Credit Union

Copoco Community uses Telecheck instead of ChexSystems to screen all new members. To avoid all monthly fees, Copoco members must have at least $300 in their account or be signed up for direct deposit.

If you do neither, a low $2 monthly fee is imposed on your account. Members get access to free Powerline Audio Teller, as well as free online access and free check images.

Community First Federal Credit Union

To create an account with Community First Federal, you’ll need to provide your ID and consent to having your credit report pulled. As long as your credit is in good standing, it won’t matter what ChexSystems has on file for you. Membership at CFFCU has several benefits.

Members are not responsible to pay any monthly fees and can write as many checks as they want. There are also no minimum balances. Dividends are also possible if you maintain a daily balance of $1,000.

Dividends are compounded monthly and are credited back into your account at the tail end of each month. They also offer account monitoring to help borrowers keep track of their accounts with real-time updates.

Consumers Credit Union

Consumers does not use ChexSystems, but rather looks at each member’s credit report prior to membership. They offer two types of checking accounts, Simple and Interest Checking. Simple Checking is best for most members.

It’s completely free if you sign up for e-statements, and comes with both online and mobile 24/7 account access.

Interest Checking is great for members who can keep a balance greater than $1,000. Another perk is that each member gets a free box of checks once per year.

Central Savings Bank

Central Savings Bank uses credit reports for all applicants instead of ChexSystems. A decent credit history, therefore, is all you need to qualify for an account with CSB.

CSB offers two types of accounts for you to choose from. The first is a non-interest bearing account called No Charge Checking Account, and it doesn’t require a minimum balance, nor are there ever any service charges.

The second option is called Personal Now Checking Account and it is an interest-based account. Interest is compounded monthly and there is no service charge if your balance is above $1,000. If it’s below, you’ll be charged $0.10 per debit transaction and $5 a month maintenance charge.

Covantage Credit Union

Instead of using ChexSystems, Covantage uses your credit report for screening prospective members. There are no monthly service fees or required minimum balance. You get unlimited check writing every month, and free access to over 30,000 ATMs nationwide.

Overdraft protection is available to all members, and you can earn a dividend if you maintain a daily balance of $500 or more. Remote deposit and free online and mobile banking are also available to all members.

Community Wide Credit Union

Community Wide uses credit reports to assess new applicants. If your credit is in good standing, an account with Community Wide CU may be an option. It has everything you’ve come to expect with a modern checking account, including:

  • Non-surcharge ATMs
  • Overdraft protection
  • Free online and mobile banking
  • Mobile remote deposit
  • Text alerts
  • Direct deposit
  • ID theft protection
  • Free bill pay

Opening an account can be done entirely online, and only takes a few minutes to complete.

Credit Union One

Credit Union One offers a second chance checking account called Basic Checking. It’s designed to help members build a positive banking history.

Basic Checking only requires a $25 deposit to open, and members may be eligible to open a standard checking account after only 12 months.

Members can access over 30,000 surcharge-free ATMs nationwide, and monthly fees can be waived or reduced with direct deposit and a minimum balance of $500.

Automatic bill pay is also available to all members, and you can sign up for email and text alerts if your balance gets too low or if there is unusual account activity.

Eaton Community Bank

Eaton Community Bank uses Telecheck instead of ChexSystems to screen all new applicants. This is good for those who have been denied membership because of ChexSystems information.

Eaton offers many services to members, but its checking service is on par with large banks.

They offer secure online and mobile banking, text message banking, telephone banking, remote direct deposit, and e-statements for those looking to go green.

If you need ATM access, Eaton has partnered with MoneyPass, so members can access thousands of non-surcharge co-op ATMs across the country.

Family First Credit Union

Family First checks your credit report instead of using ChexSystems to determine membership eligibility. If you’ve been denied membership to other banks because of past ChexSystems financial history, you may be able to get an account with FFCU if your credit is in good standing.

FFCU offers all the same perks as other banks, some of which include:

  • Free online and mobile banking
  • Free bill pay
  • Free debit card
  • Overdraft protection

Members can also wire money, take out personal loans, and open up savings accounts, interest accounts, and Christmas accounts.

Farmers and Merchants State Bank

Farmers and Merchants State Bank offers a second chance checking account to help members rebuild a positive checking account history.

There is no minimum balance requirement and the monthly fee is only $9.95 a month. However, if you sign up for direct deposit, the fee goes down to $7.95.

An account with Farmers and Merchants gets you unlimited check writing, free online and mobile banking, and access to thousands of ATMs nationwide.

Once your account is in good standing, you may be able to upgrade to other Farmers and Merchants checking account options, such as Ultimate Checking, Pure Checking, or Secure Checking. These accounts offer non-co-op ATM reimbursements and don’t charge a monthly fee.

Horizon Bank

Horizon Bank offers a Fresh Start Checking Account that doesn’t require a minimum opening balance. It comes with unlimited check writing and also offers free online and mobile banking. It only costs $5 a month, plus you get a free debit card once you join.

Fresh Start Checking is much the same as any other banking account, and you can use it to pay your bills online and make deposits 24/7.

Once you get back on track, Horizon Bank will let you cross over to their standard checking account options, where there isn’t a monthly service fee.

Marshall Community Credit Union

Marshall Community offers Fresh Start Checking to those who may have a strained history with other banks. MCCU is still a traditional bank but offers its Fresh Start Checking as a way for members to rebuild their financial history.

The monthly fee is only $8 a month, but it is possible to lower that amount to $5 if you sign up for e-statements and direct deposit. An account with MCCU does not require a minimum balance and is both online and mobile friendly.

A free debit or ATM card is given to all members, and they can also utilize its bill pay features free of charge.

Members First Credit Union

Members First does use ChexSystems when approving new accounts. However, unlike most credit unions and banks, they’re ok with a negative entry or two.

As long as there isn’t a history of fraud and all previous accounts have been paid, Members First may approve your application.

Members First currently has three types of checking accounts for members to choose from. They are Kasasa Cash, Kasasa Cash Back, and Everyday Checking.

Each account is free, and none of them require a minimum account balance. All accounts come with every modern banking tool on the market. These free features include:

  • Online, mobile, and text banking
  • Bill pay
  • eStatements
  • Debit card
  • Phone banking
  • First Pay (get paid two days early with automatic deposit)

Michigan First Credit Union

Michigan First offers Classic Checking for those in need of a second chance account. It’s a regular bank account geared towards people who want to rebuild a positive relationship with standard banks. Monthly fees are $20 a month, but there is no minimum balance.

Use the mobile app to make deposits, pay all of your bills online, get unlimited checks, gain access to over 30,000 surcharge-fee ATMs, and one free withdrawal a month with a non-co-op ATM.

Maintain a positive relationship with MFCU through this account, and you can switch to Premier Checking after only six months, which has a $0 monthly fee.

Michigan State University Federal Credit Union

Michigan State University Federal offers a Rebuild Checking Account, which is an account designed for members who need to repair their financial history. It costs $10 a month but offers direct deposit and free bill pay services.

Members can also gain access to their account 24/7 through its online portals or numerous shared branches nationwide, of which there are 5,000 and counting.

Write checks from your account and do everything you need, while also building a positive banking history with this second chance checking account.

Portland Federal Credit Union

Portland Federal uses your credit report to screen you before opening your account. This is a great option if you’ve maintained a good credit score, but have had some hiccups with past banks.

With PFCU, there’s no minimum deposit to open an account. Automatic bill pay and 24/7 online access are also features of this member-owned credit union.

Public Service Credit Union

Public Service uses Telecheck instead of ChexSystems to screen all new applicants. A checking account with PSCU has a host of benefits, some of which include:

  • Free debit card
  • Free mobile banking
  • Free online banking
  • Free telephone banking
  • Free bill pay
  • Free ID theft protection

They don’t require a high minimum balance to have a free checking account with them. Only $250 is required to have all monthly fees waived, but should your account dip below that amount, the monthly fee is only $8.95.

Settlers Federal Credit Union

Provide a government-issued ID to apply for a checking account with Settlers Federal. If you live, work, go to school, or worship in Ontonagon or Gogebic County, you may qualify for an account.

With SFCU, members can transfer money between Settlers FCU accounts, make payments on loans, and use bill pay to pay all of your bills in one place.

Straits Area Federal Credit Union

Instead of using ChexSystems, SAFCU requires prospective account holders to provide a form of government-issued ID. This ID is run through their system, and if no red flags pop up they may open an account with you.

A checking account with Straits Area Federal does not have any monthly fees. Additionally, you can access your money through over 28,000 co-op network ATMs free of charge.

All accounts also get free checking, free bill pay, and free transfers from savings to checking.

TBA Credit Union

TBA uses your credit report instead of ChexSystems to approve you for membership. A checking account with TBA doesn’t require a minimum balance or monthly service fee.

Members get free access to over 30,000 surcharge-free nationwide ATMs and can access their account both online and via mobile devices.

Each member gets free $2,000 accidental death insurance and can receive bonuses on share certificates if they sign up for direct deposit.

Team One Credit Union

Team One CU uses your credit report to screen and accept your application. This is a great option if you’ve had some past banking misfortunes, but always stayed on top of all of your monthly payments.

If your credit score is in good standing, Team One CU may open an account with you. On top of being able to design your debit card, Team One has a few things going for it:

  • Free online and mobile access
  • ID theft protection
  • No minimum balance
  • Dividends on balances over $1,000
  • No per check fees
  • Overdraft protection
  • Courtesy pay coverage
  • Unlimited checks written

United Bay Community Credit Union

United Bay CCU doesn’t use ChexSystems. Instead, they use Telecheck. If you’ve been turned down because of financial history that has been logged and shared by ChexSystems, you stand a good chance of opening an account with United Bay CCU.

Each account is insured up to $250,000 by the National Credit Union Administration, and you only need a $5 minimum balance.

An account with United Bay opens up additional savings accounts opportunities, such as the Christmas Club account, an IMMA account, and youth accounts.

Vibe Credit Union

Vibe pulls your credit report instead of screening you through ChexSystems. VCU members don’t have to worry about minimum balance requirements, monthly or per check fees.

VCU also offers $2,000 in overdraft protection, which means if you overspend on your account, VCU will cover you up to $2,000.

They have a free mobile banking app, which allows you to make deposits any time of the day by simply using your smartphone. They also offer a fraud protection app which you notifies you any time there is any account activity on your card.

West Michigan Credit Union

West Michigan uses your credit report to approve you for a new account. Checking accounts with WMCU don’t require a minimum balance and, upon approval, are eligible for overdraft protection.

Register your account and you can also get shopping rewards at select vendors. Other perks involve identity theft protection, credit monitoring, cell phone protection, and 24-hour accidental death or dismemberment insurance.

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. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.