Banks That Don’t Use ChexSystems in Missouri

U.S. Bank is now inviting new customers to take advantage of a special online promotion:

• Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
• Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

The checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

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 is a financial technology company that offers mobile banking without ChexSystems checks or credit pulls. It’s a flexible option for anyone looking to rebuild or simplify their finances.

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.

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 4.02% 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.

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.

They offer two account options: Access Checking and Elite Checking. With Access Checking, a $25 initial deposit is required, and the $10 monthly fee can be waived with direct deposit.

The account includes free remote deposit, bill pay, a Visa debit card, and access to online and mobile banking.

Armed Forces Bank has a location at Fort Leonard Wood and is available to those actively enrolled or retired from the U.S. Armed Forces.

They offer four account options: Totally Free Checking, Value Checking, Advantage Plus Checking, and Business Checking.

Totally Free Checking has no fees, no balance requirements, and may not require an initial deposit.

Eligibility extends to those living or working in Jefferson County, St. Louis County, or St. Louis City. Family members of existing members and employees of select companies can also join.

Arsenal Credit Union serves members in Arnold and St. Louis.

Opening deposits range from $25 to $1,000, depending on the account type.

Some accounts allow you to waive the monthly fee by meeting certain conditions, such as maintaining a minimum balance or setting up direct deposits.

Standard features include a free debit card, online banking, and bill pay services. Cadence Bank has branch locations in Springfield and St. Louis, Missouri.

They offer three checking options: eBanking, Blue Basic, and Premier Checking. While Premier requires a $1,000 minimum deposit, eBanking and Blue Basic only need $100 to open.

To avoid a monthly service fee, you’ll need to maintain a $1,000 balance. If your balance drops below that, the fee is either $7 or $10, depending on the account.

Central Bank has two locations in Kansas City.

It requires a $50 deposit to open and includes a monthly fee of $8, which can be reduced to $6 if you sign up for direct deposit.

The account comes with unlimited check writing, free bill pay, and online and mobile access to manage your finances easily.

Central Bank has locations in numerous Missouri cities, including Chesterfield, Columbia, Independence, Kansas City, Lee’s Summit, O’Fallon, Springfield, St. Louis, St. Charles, and Wentzville.

As long as you don’t have too many negative entries on your credit report and your credit score is at least a 549, CCCU will give you an account.

To join Central Communications, applicants must work for a participating employer or live or work in Jackson or Clay County.

CCCU has branch locations in Independence and Kansas City, Missouri.

To open a regular checking account with Chester National Bank only requires a $50 deposit to get started.

There’s also a monthly fee of $5 unless your account has a balance of at least $500. This fee can also be waived if you have at least $1,000 in a savings account.

Chester National Bank has a location in Perryville, Missouri, as well as three locations in Illinois.

This account features a $15 monthly service fee (with required eStatement enrollment to avoid additional charges), no minimum balance requirement, and a free VISA debit card.

Members also enjoy free ATM access at any CO-OP/Allpoint ATM and can take advantage of online and mobile banking services, including bill pay.

CCU has a branch located in Columbia, Missouri.

The account requires a $100 minimum opening deposit but does not have any ongoing minimum balance requirements.

There is a $10 monthly service fee. However, if you keep the account in good standing for at least 12 months, you may become eligible to upgrade to a standard checking account with lower fees and more features.

Concordia Bank has branch locations in Concordia, Laurie, and Odessa, Missouri.

There’s no opening deposit required and no minimum balance to maintain.

The account has a $10 monthly fee and includes features like mobile banking, remote deposit, bill pay, and a debit card. It functions like a standard checking account with full access to digital tools.

ESCU has branches in Maryland Heights, Manchester, St. Louis, and Wildwood, Missouri.

Instead, they require two forms of ID, one of which must be government-issued.

The credit union offers four checking options, none of which require a minimum balance or have monthly fees.

However, with the First Rate Checking account, members can earn high dividends on balances and receive ATM fee reimbursements.

To join, applicants must live or work in St. Louis, St. Louis City, St. Charles, Jefferson, Warren, or Franklin County.

First Community Credit Union has branches in Belleville, Chesterfield, Collinsville, Florissant, Granite City, Kirkwood, O’Fallon, St. Charles, St. Louis, and Wentzville.

It offers five checking options: Debit Rewards, High-Interest Checking, E-Account, Interest, and Value.

The E-Account has a $7 monthly fee, which is waived if you enroll in eStatements and pay at least three bills per month from the account. All accounts come with standard digital banking features and debit card access.

Membership is open to anyone who lives or works in Jefferson or St. Louis County. First Missouri has two branches in St. Louis and provides access to a statewide and nationwide network of co-op locations.

The account requires a $50 initial deposit and has a monthly fee of $9.95. The fee can be reduced to $7.95 if you sign up for direct deposit.

It comes with a free debit MasterCard, free online and mobile banking, and free bill pay.

First State Community Bank has branches in cities such as Cape Girardeau, Columbia, Farmington, Festus, Jackson, Mexico, Moberly, Rolla, Sikeston, Washington, and more.

It requires a $50 opening deposit and has a $7.95 monthly fee. The fee drops to $5.95 if you enroll in eStatements.

The account includes free mobile and online banking, bill pay, and a debit card. It’s designed to provide basic banking access without extra requirements.

Focus Bank has branches in Caruthersville, Charleston, East Prairie, and Sikeston, Missouri.

The account includes a free Visa debit card and does not require a minimum balance. However, there are some restrictions, such as no check writing and no ability to cash checks against the account.

Account holders who maintain a positive balance for 60 or more days and complete six FDIC Money Smart online classes may be eligible to transfer to a standard checking account.

Great Southern Bank has locations in several cities, including Affton, Columbia, Creve Coeur, Des Peres, Joplin, Lee’s Summit, Springfield, Saint Louis, Saint Peters, and Weldon Spring.

You must sign up for direct deposit, but after you have maintained a positive account balance for 12 months you may be able to transfer to a standard checking account.

To join HCFCU, you must first fill out a membership account agreement, which can be found online.

They have two branch locations in Richmond Heights and St. Peters, Missouri.

KCCU provides its members with a free checking account, complete with various online banking tools.

Membership is open to residents or workers in Jackson or Clay County. Additionally, employees of Kansas City, the Metro, KCATA, Truman Medical Centers, or the Missouri government are eligible for membership.

To join, a $25 deposit into a share savings account at any branch is required.

KCCU branches are located in Gladstone and Kansas City.

Mobile banking is available for $1 per month, and a debit card can also be added for an additional $1 per month.

There are several ways to become a member. You can qualify by living or working in Audrain, Boone, Callaway, Cole, Cooper, Howard, Miller, Moniteau, Osage, or Randolph County.

Membership is also available to those with a family member who is already a member or by being employed by the State of Missouri, or working for Branson, Camdenton, Canton, Kirksville, Marceline, Nevada, or Osage Beach City.

Additional membership options are available on the MCU website. MCU has locations in Columbia and Jefferson City.

It requires a minimum deposit of $20, but there isn’t a monthly fee or a minimum account balance.

The account comes with free online banking, free check writing, and a free Visa debit card.

Montgomery Bank has locations in Bridgeton, Cape Girardeau, Chesterfield, Des Peres, Ellisville, Jackson, Sikeston, St. Louis, Valley Park, and Webster Groves.

They also review a credit report. If the report has limited negative entries and shows no fraud, NCU may approve a new account for you.

To join, you must live in St. Louis City, St. Louis County, St. Charles County, Jefferson County, St. Clair County, Madison County, or Monroe County. Applicants may also join if they have a family member who is already a member.

NCU currently has branch locations in Ellisville, Fenton, Florissant, Jennings, Manchester, St. Peters, and St. Louis.

To get started, you’ll need to open both a savings and checking account.

If you maintain the account in good standing for six months, you may be eligible to upgrade to a standard checking account.

They have several branches throughout Missouri, including locations in Ferguson, Florissant, Jennings, Richmond Heights, St. John, St. Louis, Sullivan, and University City.

It costs only $10 a month, and there is no minimum account balance requirement.

A minimum deposit of $100 is required to open the account. After 12 months of maintaining a positive balance, you may switch to a standard checking account.

United Consumers has locations in Independence, Raytown, and St. Joseph.

It has a $10 monthly service fee, but comes with free online banking, a free debit card, and free bill pay.

If you’re able to maintain a positive balance for six months or more, you may be eligible to transfer to one of their standard checking accounts.

UCU has locations in Columbia, Fulton, Mexico, Moberly, Troy, and Vandalia.

The account includes several useful features, such as a Visa Debit Card with CardControl, allowing users to manage their card through an app with instant notifications, spending limits, and control features.

It also offers an electronic banking package with free online and mobile banking, bill pay, and Zelle. Users can upgrade to a traditional checking account after 18 months of maintaining the account in good standing.

Wood & Huston Bank has branch locations in cities like Cape Girardeau, Higginsville, Jackson, Marshall, Sedalia, Springfield, and West Plains.