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 $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through December 30, 2024. 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.

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 4.14% 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 4.00% 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, 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 3.50% 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.

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.

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 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.

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.

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.

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.