Banks That Don’t Use ChexSystems in Missouri

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

You can earn up to 3.30% 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 $400 when you set up qualifying direct deposits.

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.

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 47,000¹ 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.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

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.

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.

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.

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.

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.