Banks That Don’t Use ChexSystems in Mississippi

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 ATM 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 4.69% APY, giving you a remarkable opportunity to grow your savings faster.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.

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 4.30% 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 ahead.

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.

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.

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.

These accounts offer competitive interest rates, with the potential to earn up to 4.00% 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.

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.

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 Gulfport, Bay St. Louis, and D’Iberville.

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.

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.