Banks That Don’t Use ChexSystems in Missouri

In Missouri, being listed in ChexSystems can keep you from opening a standard checking account. It’s a system that tracks negative banking activity—and most banks still use it.

Still, you have options. Some banks in Missouri don’t use ChexSystems, and others offer second chance checking accounts that are easier to qualify for.

13 Banks in Missouri That Don’t Use ChexSystems

We’ve compiled a comprehensive list of Missouri banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

Current

Our Top Pick

Features & Benefits

  • Build credit just by using your debit card
  • No minimum balance or monthly fees
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

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.

SoFi

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 3.80% APY on savings
  • Over 55,000 fee-free ATMs

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.80% 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 $300 when you set up qualifying direct deposits.

Chime

Features & Benefits

  • No monthly fees or minimums
  • Credit Builder Card with no interest, fees, or credit pull
  • Get paid up to 2 days early with direct deposit
  • Over 60,000 fee-free1 ATMs

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 60,0001 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.

Armed Forces Bank

Armed Forces Bank does not rely on ChexSystems for screening applicants. Instead, they use an Equifax credit report and Certegy check services.

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.

Arsenal Credit Union

Arsenal Credit Union doesn’t use ChexSystems to evaluate new applications, but instead screens through Telecheck.

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.

Cadence Bank

Cadence Bank offers several checking accounts that don’t require a ChexSystems review.

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.

Central Bank of Kansas City

Central Bank of Kansas City doesn’t use ChexSystems for new applicants. Instead, you just need to provide two forms of ID, one of which must be government-issued.

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.

Central Communications Credit Union

Central Communications does not use ChexSystems, Telecheck or EWS. Instead, CCCU runs a credit report and credit score check on all new applications.

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.

Chester National Bank

Chester National Bank uses Telecheck instead of ChexSystems when screening new applications. They also run a credit report.

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.

First Community Credit Union

First Community Credit Union doesn’t use ChexSystems, Telecheck, or EWS to screen new applications.

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.

First Missouri Credit Union

First Missouri Credit Union uses Telecheck instead of ChexSystems to review applications.

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.

Kansas City Credit Union

Kansas City Credit Union (KCCU) uses Telecheck instead of ChexSystems to screen new applications.

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.

Neighbors Credit Union

Neighbors Credit Union (NCU) uses Telecheck, rather than ChexSystems, to screen new applications.

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.