Banks That Don’t Use ChexSystems in Mississippi

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.

This program focuses on financial literacy, teaching you how to manage your money more effectively. After completing the course, you can open a CreditPlus checking and savings account.

Additionally, if you’ve been caught in the payday lending cycle, you can apply for a CreditBuilder loan to improve your financial situation.

BankPlus has more than 30 branch locations throughout Mississippi, including cities like Biloxi, Brandon, Clinton, Greenwood, Jackson, Oxford, Southaven, Starkville, Tupelo, and Yazoo City, among others.

Minimum opening deposits range from $25 to $1,000, with some accounts offering the option to waive monthly fees by meeting specific requirements.

These accounts come with essential features such as free debit cards, online banking, and bill pay.

Cadence Bank has locations throughout Mississippi, including cities like Biloxi, Brandon, Clinton, Jackson, Oxford, Southaven, Tupelo, Vicksburg, and more.

With a $50 opening deposit and a $9.95 monthly fee (which can be reduced by $2 with direct deposit), this account helps individuals rebuild their banking history.

You’ll receive a debit card, access to online and mobile banking, text banking, and Apple Pay. After maintaining the account in good standing for 18 months, you can upgrade to a traditional checking account.

Citizens National Bank has branch locations in Carthage, Columbus, Flowood, Hattiesburg, Kosciusko, Laurel, Macon, Madison, Meridian, Olive Branch, Philadelphia, Quitman, Ridgeland, Southaven, and Waynesboro.

The bank offers multiple checking options, including one that’s simple and affordable for everyday use.

The Regular Checking account requires a $100 opening deposit and has a $5.95 monthly fee. That fee is waived if you maintain a $500 balance. It includes standard features like a debit card, online banking, and bill pay.

First Bank operates 17 branches across Southwest Mississippi. Locations include Brookhaven, Hattiesburg, Liberty, Madison, Magnolia, McComb, Monticello, Osyka, and Summit.

The three checking account options include Choice, Choice PLUS, and Max Checking.

With Choice Checking, you only need a $50 opening deposit. If you keep at least $50 in your account, you’ll get the $6 monthly fee waived.

There are six First National Bank of Picayune branches located in Picayune, Poplarville, and Wiggins.

If your record is over a year old and settled, you can apply for any account.

New Chance Checking requires a $100 opening deposit and comes with a $15 monthly fee, but there’s no minimum balance requirement.

You’ll get a free Visa debit card and unlimited check writing. After maintaining the account with no more than two NSF charges within a year, you can qualify for a traditional checking account.

Branches are located in Bay St. Louis, D’Iberville, and Gulfport.

If you have a credit score of at least 600 and don’t owe any money to Hope Community, you’re likely to qualify for an account.

Hope CU offers five checking account options, with some requiring a $25 minimum balance and a $9.95 monthly fee. However, the fee is waived if you maintain at least $200 in your account.

These accounts come with unlimited paperless transactions, free online and mobile banking, free eStatements, and overdraft protection options.

Hope CU has branches across Mississippi, including locations in Biloxi, Drew, Greenville, Itta Bena, Jackson, Louisville, Moorhead, Shaw, Terry, Utica, and West Point.

To open the account, you’ll need a $20 deposit and a $20 account opening fee. If you enroll in direct deposit, the monthly fee is reduced to $15; otherwise, it’s $20.

Along with standard banking features, Magnolia FCU provides extra incentives for maintaining your account.

After 12 months of responsible account management, you can switch to a regular checking account and receive a $100 savings deposit as a reward.

Magnolia Federal has branches in Flowood, Jackson, and Madison.

The account comes with a Visa debit card and has a $10.50 monthly fee.

To apply, you’ll need to visit a branch and speak with a customer service representative in person.

MUNA FCU is located in Meridian, Mississippi, and membership is available to individuals who live, work, or worship in Lauderdale County.

Their Keep It Simple Checking account is a straightforward option for everyday banking.

The account requires a $50 deposit to open, and there’s a $7 monthly fee, which can be waived if you maintain a minimum daily balance of $100.

Keep It Simple Checking also includes online banking, bill pay, and mobile banking with deposit features.

PriorityOne Bank has branches throughout Covington, Lamar, Rankin, Scott, Simpson, and Madison counties in Mississippi.

Despite the $10 monthly maintenance fee, members receive an instant-issue debit card and have access to online and mobile banking services.

After 12 months of maintaining the account in good standing, members can upgrade to other Red River checking options.

Additionally, members benefit from surcharge-free ATMs and ITMs within Red River’s extended network.

Red River has branches in Batesville and Clarksdale, Mississippi.

As long as there’s no history of fraud, and you don’t owe the bank any money, you may still be eligible to open an account.

Renasant offers four checking account options: Renasant Checking, Student Checking, Rewards Checking, and Rewards Extra.

Each account comes with online and mobile banking, bill pay, a free Visa debit card, and access to Renasant’s Mobile Wallet.

The Mobile Wallet supports Zelle, Apple Pay, Apple Pay Cash, and Google Pay.

Renasant Bank has branches in several cities across Mississippi, including Aberdeen, Brandon, Hernando, Madison, Olive Branch, Oxford, Southaven, Starkville, Tupelo, and more.