Banks That Don’t Use ChexSystems in Minnesota

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

You can earn up to 3.30% 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 $400 when you set up qualifying direct deposits.

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.

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 47,000¹ 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.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

Their American Free account has no monthly service fees or minimum balance requirements, though it does require a $100 opening deposit.

With this account, you’ll enjoy unlimited check writing and the option of a cash card or ATM card.

American Federal Bank operates in both Minnesota and North Dakota, with Minnesota branch and ATM locations in Ada, Crookston, East Grand Forks, Fergus Falls, Fosston, Hallock, Moorhead, and Warren.

The Totally FREE Checking is the most accessible option with no monthly fees or balance requirements, though a $50 minimum deposit is required to open the account.

Upon opening the account, you’ll receive a free ATM and check card, access to online and mobile banking, remote check deposit, and a money management tool.

New account holders also receive a “Thank You” gift, and up to $25 when you bring in old check cards and checks from another bank or credit union.

Gate City Bank has branch locations in Alexandria, Elk River, Fergus Falls, Moorhead, Sauk Rapids, St. Cloud, and Waite Park, Minnesota.

You can also get overdraft protection from your savings account. Other than those requirements, you get the same perks as any other checking account at Minnesota Valley FCU.

To become a member, you must live, work, worship, attend school, or volunteer in Blue Earth, Nicollet, or Le Sueur counties.

There are two branches located in Mankato, one uptown and one downtown office.

In addition to their Basic Checking account, there’s also Advantage Checking, and Cha Ching Checking (which is interest-bearing).

Both Basic and Advantage Checking include no required minimum balance and unlimited check writing. The only difference is that Advantage Checking includes identity theft protection services.

To become a member of United Savings, you must live within a 75-mile radius of their home office in Fargo, North Dakota. They have Minnesota locations in Detroit Lakes and Dilworth.

With a $50 opening deposit, no minimum balance requirements, and low monthly service fees, this account provides members with an opportunity to start fresh.

Account holders also gain access to over 30,000 surcharge-free ATMs and over 5,000 Credit Union Service Centers nationwide.

After maintaining good account history for 12 months, members can apply for an upgrade to the Best Free Checking account.

Unity One Credit Union serves members in Texas, Minnesota, and Kansas, with a Minnesota branch located in Maplewood.

This option is designed for individuals who might not meet the requirements for traditional banking due to past financial challenges.

The account has a $5 monthly fee, which can be waived if the account holder is between 13 and 24 years old. A $25 deposit is required to open the account.

Once set up, you’ll enjoy features like online bill pay, mobile banking, and access to over 13,000 ATMs nationwide without additional fees, helping you manage your finances while rebuilding your banking history.

Wells Fargo has branch locations in over 120 Minnesota cities, including Blaine, Bloomington, Brooklyn Park, Duluth, Eagan, Minneapolis, Plymouth, Rochester, St. Cloud, and St. Paul.