Banks That Don’t Use ChexSystems in Montana

Struggling to open a checking account in Montana due to a negative ChexSystems listing?

While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.

Non-ChexSystems & Second Chance Banks in Montana

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


Our Top Pick

Features & Benefits

  • Up to 5.21% APY on savings
  • Up to 2% cash back
  • No minimum balance requirement
  • No monthly fees or overdraft fees

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 a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 5.21% APY, giving you a remarkable opportunity to grow your savings faster.

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.

First Tech Federal Credit Union

Our Second Pick

Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • No minimum balance requirements
  • Earn up to 5.00% APY
  • Over 30,000 fee-free ATMs

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees. Members can take advantage of a $300 bonus simply by establishing a qualifying payroll direct deposit of $1,000 or more per month for three consecutive months.

These accounts offer competitive interest rates, with the potential to earn up to 5.00% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers, contributing to a comprehensive and secure banking experience.


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
  • No credit check or ChexSystems

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.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

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

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit7 with the Secured Chime Credit Builder Visa® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges1.

Chime has over 60,0001 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. You can also deposit cash for free at over 8,500 Walgreens.

First Security Bank

First Security Bank does not use ChexSystems to screen new applications. The only thing they require is two forms of identification, one of which must be government issued.

There are four types of checking products available: Totally Free Checking, Easy Interest Checking, 50+ Interest Checking, and Premier Interest Checking.

Totally Free Checking only requires a $50 opening deposit but does not have any fees associated with the account, including zero balance requirements. It comes with a free Visa debit card, online banking, mobile banking, and bill pay.

You’ll find First Security Bank locations in Bozeman, Belgrade, Three Forks, West Yellowstone, and Big Sky.

Garfield County Bank

Garfield County Bank is a non-ChexSystems bank. The only thing it needs from you is two forms of ID. You’ll need to provide a government-issued ID, as well as your social security card, so Garfield can verify your identity. They’re located in Jordan, Montana.

Garfield offers three types of checking products: Standard Checking, Payless Checking, and Money Market Checking. Payless Checking comes in two formats.

The first doesn’t have a monthly fee but also doesn’t include check images with your statement. The second has a monthly fee of $6.75, but does include check images with your monthly statement. For either option, there is not a required minimum balance.

Valley Bank of Helena

Valley Bank of Helena doesn’t use ChexSystems, EWS, or Telecheck. They also don’t refer to your credit report when screening your application. Simply provide two forms of ID and you should be able to open an account with them. Valley Bank of Helena has locations in 12 locations in Helena and six locations in Butte.

There are four checking products available: Totally Free Checking, Easy Interest, 50+ Checking, and Premier Interest Checking. Totally Free Checking doesn’t have any monthly fees or minimum balance requirements. The only thing it does require is an opening deposit of $50. It comes with all the following services for free:

  • Visa debit card
  • Check images with eStatements
  • Mobile banking and remote mobile deposit
  • Online banking
  • Bill pay

Valley Credit Union

Valley Federal is a ChexSystems bank, but it offers a second chance checking account if you want to repair and rebuild your ChexSystems credit history.

They have locations in Billings, Bozeman, Columbus, and Roundup. However, they’re also a part of the Co-Op Shared Branch Network, which gets members free access to their account at over 5,000 locations nationwide.

You can open an Opportunity Checking account with only a $50 opening deposit. Without direct deposit, the monthly fee is $7.50, but with direct deposit, it’s only $5.

Opportunity Checking comes with every modern banking tool you could ever need. These include free online and mobile access, e-statements, and bill pay.

To become a member, you must make a deposit of $25 into a savings account.

To be eligible you must live, work, worship, or attend school in Carbon, Big Horn, Golden Valley, Gallatin, Park, Musselshell, Sweet Grass, Stillwater, Treasure, or Yellowstone County.

You may also join if you have an immediate family member who is already a member.

Wells Fargo

If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.

This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.

There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

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.

7. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.