The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
Missoula Federal Credit Union
As of this time, they do not do any background checking on potential members.
Garfield County Bank
They only need an proper ID and social security card to verify your identity.
Big Sky Western Bank
If you come in and open an account with them, they do not do credit checks, ChexSystems or the like.
Fallon County Federal Credit Union
They do not use ChexSystems, TeleCheck or a credit report.