Have you tried to open a checking account in Missouri, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Missouri use ChexSystems to review your banking history.
Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.
Non-ChexSystems & Second Chance Banks in Missouri
Take a look at this comprehensive list of banks and credit unions in Missouri that either don’t use ChexSystems, or offer second chance checking accounts.
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Features & Benefits
- No credit check or ChexSystems
- No minimum balance or hidden fees
- Fee-free overdraft up to $200 with Overdrive
- 40,000 fee-free Allpoint ATMs in the U.S.
- Get paid up to 2 days faster
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.
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.
Features & Benefits
- No minimum balance requirement
- No monthly fees
- No overdraft fees
- Visa debit card, iOS and Android mobile app
- Up to 2% cash back
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 up to 2% cash back on everyday debit card purchases.
Upgrade reimburses up to five out-of-network ATM fees per month if you meet certain conditions.
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.
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.
Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.
With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.
You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.
Axos Bank doesn’t use ChexSystems or pull your credit report.
The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.
You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.
There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.
Cadence Bank offers several checking accounts that don’t use ChexSystems. Minimum opening deposits range from $25 to $1,000. However, for some checking accounts you can get the monthly fee waived by meeting certain requirements.
The accounts come with the basic features you’d expect, like a free debit card, online banking, and bill pay.
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 want to avoid the 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 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 has four different checking accounts available. They are Absolutely Free Checking, Premier 50+ Free Interest Checking, Preferred Free Interest Checking, and Prestige Checking.
The most basic option is Absolutely Free Checking. It requires a $50 minimum deposit. There are no minimum balance requirements or monthly frees.
You also get a free debit card, unlimited checking writing, mobile banking, and free E-statements.
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 government-issued.
They have four options to choose from. None of them require a minimum balance or have monthly fees. However, the First Rate Checking account 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.
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 FCU 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, NFCU 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.
NFCU currently has branch locations in St. Louis, Ellisville, Fenton, Florissant, Hazelwood, Jennings, Manchester, and St. Peters.
Heritage South Community requires applicants to provide two forms of identification. One of the IDs must be government-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 another $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:
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment ﬁle from the payer. Chime generally make these funds available on the day the payment ﬁle is received, which may be up to 2 days earlier than the scheduled payment date.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for banking.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia