Banks That Don’t Use ChexSystems in Montana

Have you tried to open a checking account in Montana, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Montana use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Montana

Take a look at this comprehensive list of banks and credit unions in Montana that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
LetMeBank’s rating
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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 debit card, and a credit builder Visa® credit card, all with no credit check.

The Chime Checking Account is 100% free and has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

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

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.

You can see why Chime is our #1 choice.


Our Second Pick
LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

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.

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.


Our Third Pick
LetMeBank’s rating
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Features & Benefits

  • No minimum balance requirement
  • No monthly fees
  • No overdraft fees
  • Visa debit card, iOS and Android mobile app
  • Up to 2% cash back

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 up to 2% cash back on everyday debit card purchases.

Upgrade reimburses up to five out-of-network ATM fees per month if you meet certain conditions.

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.


LetMeBank’s rating
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Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Axos Bank

Axos Bank doesn’t use ChexSystems or pull your credit report.

The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.

You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.

There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.

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.

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.