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 47,000 fee-free ATMs.

You can also build credit with the Chime Card, a secured Visa credit card with no annual fees, no interest charges, and no credit check required.

Direct deposit users can get paid up to two days early, 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 make eligible purchases with your Stash debit card, you can earn Stock-Back® rewards in the form of fractional shares.

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.

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.

While the bank does not publicly disclose whether it uses ChexSystems when reviewing new accounts, some customers have reported being approved despite previous banking issues.

The bank offers several checking account options with features like online and mobile banking, mobile check deposit, debit cards, bill pay, and access to a large ATM network.

Branches are located throughout Mississippi, including Biloxi, Gulfport, Hattiesburg, Jackson, Meridian, Ocean Springs, and Pascagoula, among other communities.

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.

Regions is commonly listed by consumer banking sources as a no-ChexSystems option, though applicants should still expect the bank to review identity and account history before approval.

Regions offers several checking accounts, including LifeGreen Checking, Regions Now Checking, and other everyday banking options.

Regions Now Checking is a checkless account with a $5 monthly fee, no overdraft fees, and a minimum opening deposit of $10. Standard Regions checking accounts generally require a $25 opening deposit.

Regions has branches across Mississippi, including Ackerman, Biloxi, Brandon, Clinton, Columbus, Flowood, Gulfport, and more.