Banks That Don’t Use ChexSystems in Montana

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.

This account eliminates the risk of overdraft fees, works like a debit card, and provides an affordable way for previously unbanked people to access essential banking services.

To open a SmartSpend account, all you need is a $50 deposit. The account provides access to features like online banking, mobile banking, and bill pay at about one-third of the cost of other alternatives.

Clearwater Credit Union has branches in several Montana cities, including Bozeman, Butte, Great Falls, Helena, Missoula, and Stevensville.

They offer four types of checking accounts: Totally Free Checking, Easy Interest Checking, 50+ Interest Checking, and Premier Interest Checking.

Totally Free Checking is a popular option with no monthly fees, no minimum balance, and only requires a $50 opening deposit. It also includes a free Visa debit card, online banking, mobile banking, and bill pay.

First Security Bank has branches in several Montana cities, including Belgrade, Big Sky, Bozeman, Three Forks, and West Yellowstone.

They offer three types of checking accounts: Standard Checking, Payless Checking, and Money Market Checking. Payless Checking gives you two options.

The first has no monthly fee but doesn’t include check images with your statements. The second option costs $6.75 per month and provides check images in your statement. Neither option requires a minimum balance.

Garfield County Bank is located in Jordan, Montana.

They offer four checking accounts: Totally Free Checking, Easy Interest, 50+ Checking, and Premier Interest Checking.

Totally Free Checking is a great option if you’re looking for no monthly fees or minimum balance requirements, with only a $50 opening deposit needed.

You’ll also get services like a Visa debit card, check images with eStatements, mobile and online banking, remote deposits, and bill pay at no extra cost.

Valley Bank of Helena has branches in several Montana cities, including Anaconda, Butte, East Helena, Helena, and Whitehall.

You can open the account with a $50 deposit. The monthly fee is $7.50, but if you set up direct deposit, it drops to $5.

The account comes with essential modern banking tools like free online and mobile access, e-statements, and bill pay.

To become a member, you’ll need to deposit $25 into a savings account. Eligibility is based on living, working, worshiping, or attending school in Carbon, Big Horn, Golden Valley, Gallatin, Park, Musselshell, Sweet Grass, Stillwater, Treasure, or Yellowstone County, or having a family member who is already a member.

Valley Federal has branches in several cities, including Billings, Bozeman, Columbus, Miles City, and Roundup.

This second chance account is specifically designed for those who have faced financial challenges in the past.

Clear Access Banking has a monthly fee of $5, which is waived if the primary account holder is between 13 and 24 years old.

The account requires a $25 minimum deposit to open and comes with features like online bill pay and mobile banking.

You’ll have access to over 13,000 Wells Fargo ATMs for free, making it convenient to manage your money while rebuilding your banking record.

Wells Fargo has branches in several Montana cities, including Billings, Bozeman, Butte, Glasgow, Great Falls, Havre, Helena, Kalispell, Missoula, and Sidney.