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.
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 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 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 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.
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. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia