Banks That Don’t Use ChexSystems in Mississippi

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.

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.

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.

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.

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.