Have you been blacklisted by ChexSystems? It can be frustrating to be turned away from a neighborhood bank in Missouri, especially when you have a solid job and are in no danger of overdrafting.
To spare you the frustration of applying and being denied, we’ve compiled a list of banks in Missouri that don’t use ChexSystems or instead offer second chance banking. You will also see some great credit unions and online bank account options that you can set up from the comfort of your own home.
BBVA doesn’t use ChexSystems for new applications. Instead, it uses a service called EWS. It’s an online bank so you can apply no matter where you live in Missouri. The account has no monthly fees and no minimum balance requirement.
To open your account, you’ll need just a $25 deposit. You can also sign up for overdraft protection and avoid the $3 paper statement fee by signing up for e-statements.
Chime is an entirely online banking experience and is one of the nation’s fastest growing banks. It does not use ChexSystems to screen new applications, nor does it even run a credit check. Many people who have bad credit are still able to open an account with Chime without a minimum deposit.
Chime doesn’t charge a monthly fee and there are no overdraft fees. Account holders signed up with direct deposit are able to get paid two days earlier than their coworkers. Plus, each member gets a free Visa debit card, free online and mobile access, as well as free bill pay.
Armed Forces Bank does not use ChexSystems to screen new applicants. Instead, they use an Equifax credit report as well as Certegy check services. They have two options: Access Checking and Elite Checking.
Access Checking requires a $25 initial deposit and has a $10 monthly fee unless you sign up for direct deposit. It comes with free remote deposit, free bill pay, a free Visa debit card, as well as free online and mobile banking.
Armed Forces Bank has a location in Fort Leonard Wood. To open an account, you must either be actively enrolled or retired from the U.S. Armed Forces.
Arsenal doesn’t use ChexSystems to screen new applications but instead uses Telecheck. They currently have four options: Totally Free Checking, Value Checking, Advantage Plus Checking, and Business Checking. Totally Free Checking does not have any fees or balance requirements, and may not even have a minimum initial deposit requirement.
Arsenal has locations in Arnold and St. Louis. To join, you must either live or work in Jefferson County, St. Louis County, or St. Louis City. You may also join if you have a family member who is already a member, or if you’re employed with select companies.
Bancorp offers second chance checking for anyone looking for a fresh start. It comes with free online banking, a free debit MasterCard, and a budget app to help you reach your savings goals.
To open an account only requires a $50 initial deposit. For more information, you’ll need to speak with a BancorpSouth customer service representative.
BancorpSouth has locations in Clayton and Springfield County, Missouri.
Bank of Kirksville doesn’t use ChexSystems, Telecheck or EWS. They also don’t pull a credit report. Only two forms of ID are required to open an account with Bank of Kirksville.
They offer eleven checking options and three savings options, but to get more information, applicants need to speak with a Kirksville representative.
Bank of Kirksville has locations in Kirksville, La Plata, Downing, Memphis, Macon, Moberly, Novinger, Queen City, and Lancaster.
Cape Regional does not run a ChexSystems, Telecheck or EWS scan. It also doesn’t run a credit report. Instead, they only require two forms of ID, one of which must be government issued.
Cape Regional currently has locations in Cape Girardeau, Missouri. Membership is available to anyone who lives or works in Cape Girardeau, has a family member who is already a member or works for select employee groups. You can also qualify if you’re a member of St. Ambrose, Chaffee, St. John’s, Leopold, Oran, or Guardian Angel.
Central Bank of Kansas City does not use ChexSystems to screen new applications. Instead, to open an account with Central Bank you must simply provide two forms of ID — one of which must be government issued.
They have two locations in Kansas City. There are currently three options offered by Central Bank: eBanking, Blue Basic, and Premier Checking. All require a $1,000 minimum balance if you don’t want to have a monthly service charge.
Premier requires a $1,000 minimum deposit, but eBanking and Blue Basic only require $100. Depending on which account you have, the monthly fee may be $7 or $10 if your account falls below $1,000.
Central Bank of the Midwest offers an account called Fresh Start Checking. It requires a deposit of $50 to get started and there is a monthly fee of $8.
If you sign up for direct deposit, the fee drops down to $6. It comes with unlimited check writing, free bill pay, as well as free online and mobile access.
Central Bank of the Midwest has locations in Kansas City, Blue Springs, Oak Grove, Independence, and Lee’s Summit.
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. They have branch locations in Independence and Kansas City, Missouri.
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.
Community Bank and Trust doesn’t use ChexSystems to screen new applications. Instead, they only require two forms of identification.
Currently, Community Bank and Trust offers five checking options: Prestige Checking, Preferred Free Interest Checking, Premier 50+ Free Interest Checking, and Absolutely Free Checking. Absolutely Free Checking doesn’t have a minimum balance requirement or service fees.
CB&T has Missouri locations in Riverton, Galena, Carl Junction, Neosho, Joplin, Carthage, Seneca, Anderson, Diamond, and Granby.
Concordia Bank offers a second chance checking account. It requires a minimum deposit of $100 but doesn’t have any minimum balance requirements.
There’s a $10 monthly fee, but account holders may be able to transfer to standard checking after one year of maintaining a positive balance.
Concordia Bank has locations in Concordia, Laurie, and Odessa.
Electro Savings offers second chance checking called Fresh Start Checking. It doesn’t require an initial deposit or a minimum balance.
There’s a monthly fee of $10, but account holders get every modern banking convenience that comes with standard checking accounts, including remote mobile deposit.
ESCU has locations in Maryland Heights, Wildwood, Manchester, and St. Louis.
First Community doesn’t use ChexSystems, Telecheck, or EWS to screen new applications. Instead, they only require two forms of ID. One of these IDs must be governmentally issued.
They have four options to choose from. None of them require a minimum balance or have monthly fees. First Rate Checking, however, allows members to earn high dividends on their balances and will pay back ATM fees.
First Community has numerous locations in and around the St. Louis area. To join, applicants must live or work in St. Louis, St. Louis City, St. Charles, Jefferson, Warren, or Franklin County.
First Missouri uses Telecheck in lieu of ChexSystems to approve bank account applications. They offer five checking options: Debit Rewards, High-Interest Checking, E-Account, Interest, and Value.
The E-Account costs only $7 a month, but this fee can be waived if you enroll in eStatements and pay three bills per month with your account.
First Missouri is located in St. Louis, but members can access their account from numerous co-op locations across the state and nation. To join, you must live or work in Missouri’s Jefferson or St. Louis County.
First National Bank doesn’t run a ChexSystems scan on new applications, they only require a driver’s license and a social security number. As long as you don’t owe First National Bank any money, and you’re able to provide the necessary identification, you’ll likely be able to open an account.
FNB offers free checking that only requires a $100 deposit to get started. After that, there are no monthly fees or minimum account balance requirements. You’ll find numerous FNB branch locations across most of Missouri.
First State Community Bank offers second chance checking called New Opportunity Checking. It requires a $50 initial deposit and has a monthly fee of $9.95.
The fee can be dropped down to $7.95 if you sign up for direct deposit. It comes with a free debit MasterCard, free online and mobile banking, as well as free bill pay.
FSCB has many locations across Eastern and Northern Missouri.
Focus Bank offers a fresh start checking account. Applicants must make a $50 minimum deposit, and there is a $7.95 monthly fee.
The fee can be reduced to $5.95 a month if you enroll in eStatements. It comes with free mobile and online banking, as well as free bill pay.
Focus Bank has locations in Charleston, East Prairie, and Sikeston.
Great Southern Bank offers second chance checking. The account requires a minimum deposit of $25 to open and has a monthly fee of $10. It comes with a free Visa debit card and does not require a minimum balance. Restrictions include no check writing and users may not cash a check against their account.
Account holders may be able to transfer to standard checking after they have maintained a positive account balance for 60 or more days and completed six FDIC Money Smart online classes.
Great Southern Bank has numerous locations in and around Springfield.
Goetz uses Telecheck to screen new applications. However, even with negative Telecheck records, you may still be able to get an account with them provided there’s no history of fraud and you don’t owe GCU any money. If this is the case, GCU will only allow you to use a debit card, but won’t allow you to write any checks.
Membership is available to anyone who lives or works in Buchanan, Andrew or Platte County. If you have a family member who is already a member, you may also join. GCU is located in St. Joseph.
Health Care Family offers second chance checking called Fresh Start Checking. It requires a $50 initial deposit and has a $10 monthly fee.
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 does not use ChexSystems to screen new applications. Instead, they use Telecheck. KCCU offers a free checking account to its members that comes with many online checking tools.
They have four locations throughout Kansas City. Membership is available to anyone who lives or works in Jackson or Clay County.
Anyone who is an employee of Kansas City, the Metro, KCATA, Truman Medical Centers or is a Missouri government employee is also eligible for membership. When you join, you must then make a deposit of $25 into a share savings account at any branch location.
MCU has second chance checking called Smart Start Checking. It requires a $25.00 deposit to get started, but it doesn’t charge a monthly fee or require a minimum balance. If you want to use mobile banking, there’s a $1 a month charge, and if you’d like a debit card, that also costs $1 a month.
There are several ways to become a member. One option is to live or work in Audrain, Boone, Callaway, Cole, Cooper, Howard, Miller, Moniteau, Osage, or Randolph County.
Another way is to have a family member who is already a member. A third option is to be employed by the State of Missouri or work for Branson, Camdenton, Canton, Kirksville, Marceline, Nevada, or Osage Beach City.
There are even additional pathways to membership, and they can be found on the MCU website. MCU has locations in Columbia and Jefferson City.
Montgomery Bank offers second chance checking called New Start. It requires a minimum deposit of $20, but there isn’t a monthly fee or a minimum account balance. It comes with free online banking, free check writing, and a free Visa debit card.
Montgomery Bank has locations in Cape Girardeau, Jackson, Miner, Sikeston, Bridgeton, Chesterfield, Des Peres, Mid South, and South County.
Neighbors uses Telecheck to screen new applications instead of ChexSystems. They also use a credit report. If the report doesn’t have too many negative entries on it, and there’s not a record of fraud, NCU may open 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 St. Louis, Ellisville, Fenton, Florissant, Hazelwood, Jennings, Manchester, and St. Peters.
Northland Community does not use ChexSystems, Telecheck, or EWS, but instead runs a credit report on each application. As long as the report doesn’t have too many negative entries on it, they may approve the application.
To open an account with Northland, applicants must live or work in Clay, Ray or Clinton County. NCCU is located on 6604 North Oak Trafficway in Kansas City.
Seymour Bank uses Telecheck to screen new applications instead of ChexSystems. Seymour Bank has locations in Marshfield, Seymour, and Rogersville. They have four types of checking and two types of interest-bearing accounts. They are:
- Regular Checking
- Excel Club Checking
- Senior Citizen Checking
- Now Account
- Excel PLus Checking
Regular Checking requires a $200 daily balance if you want to avoid the $8 monthly fee. E-checking does not have a minimum balance requirement and is completely free if you opt for eStatements.
Sherwood Community Bank does not use ChexSystems, Telecheck, or EWS. They also don’t run a credit report. They only require that the applicant provide two forms of ID (one of which must be government issued). To qualify, you also must not owe any money to Sherwood.
To open a Free Green account with Sherwood only requires a $1 deposit. There are no monthly fees or a minimum balance requirements. Sherwood Community Bank has locations in Creighton, Urich, Garden City, Harrisonville, and Hume.
Heritage South Community requires applicants to provide two forms of identification. One of the IDs must be governmentally issued. They also use OFAC (Office of Foreign Assets Control) to screen new applications, but they don’t use ChexSystems, Telecheck, or EWS.
As a member, you can create both a checking and savings account, which can be linked for overdraft protection. South Community is located in Sullivan County, but members gain access to thousands of union co-op branches across the nation.
St. Louis Community offers second chance checking called Freedom Checking. To open this account, you’ll need to open both a savings account with them.
After six months of keeping your account in good standing, you may be eligible to transfer to a standard checking account.
They have 17 locations in St. Louis County.
Town and Country Bank offers second chance checking called Opportunity Checking.
There is a $6 monthly fee if you sign up for direct deposit, but it goes up to $8 if you don’t. They also offer account holders the option to add an additional $5.99 a month to receive additional benefits. Some of these benefits include:
- Identity protection
- Accidental death insurance
- Cell phone protection
- Hotel discounts
- Prescription discounts
- Shopping discounts
TCB has branch locations throughout Missouri.
United Consumers offers members a second chance checking account. 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 St. Joseph, Independence, and Raytown.
United offers second chance checking called Restore Checking. 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 Mexico, Vandalia, Moberly, Troy, Columbia, and Fulton. To join you must work or live in one of the following counties:
Wood and Huston offers a second chance checking account for anyone looking to repair their checking history. Called StartFresh Checking, it requires a minimum deposit of $25 to open and has a $6.95 monthly fee.
When first establishing the account, you must sign up for direct deposit. This account doesn’t have a minimum balance requirement, and after 18 months you may be able to transfer to a standard checking account.
Wood and Huston has locations in Marshall, Higginsville, Jackson, Cape Girardeau, Springfield, and West Plains.