Banks That Don’t Use ChexSystems in Nebraska

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 60,000¹ 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.

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.80% 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 $300 when you set up qualifying direct deposits.

They offer three checking options: E-Checking, Regular Checking, and Super Now Checking.

The E-Checking account has the lowest balance requirement, allowing you to avoid a monthly fee if you keep at least $500 in the account.

If your balance falls below $500, you’ll be charged a $3 monthly fee and $0.30 for each debit beyond the first 30.

Adams County Bank has branches in Kenesaw and Juniata, Nebraska.

They offer three checking options: Country Free, Country Plus Interest, and Country Gold.

The Country Free account is a solid choice with no monthly fees or minimum balance requirements. It includes a free ATM card or Visa debit card, and you can open it with just a $50 minimum deposit.

Other perks include unlimited check writing, free online and mobile banking, bill pay, and free ATM access at Bruning State Bank machines. Just remember to keep the account active, as a $5 monthly fee applies after 12 months of inactivity.

Bruning State Bank has locations in Bruning, Broken Bow, Grand Island, Hebron, Holdrege, and Kearney, Nebraska.

With the Primary account, there’s no monthly service fee if you maintain a balance of $500 or more. It also allows 20 checks to be processed for free, with a $0.15 fee for each additional check. Full-time students and individuals aged 65 or older enjoy fee-free accounts.

All checking options include a MasterCard debit card, which can be managed through the CardValet app for transaction alerts and the ability to turn off the card if it’s lost or stolen.

Butte State Bank has branches in Butte and Spencer, Nebraska.

Their checking accounts are designed for convenience, allowing you to manage your finances stress-free.

With any checking or savings account, you’ll enjoy benefits like a Visa debit card (upon approval), free e-statements, surcharge-free access to ATMs through the MoneyPass network, and online and mobile banking.

Citizens State Bank has branches in several Nebraska cities, including Friend, Laurel, Leigh, Newman Grove, Papillion, Plattsmouth, Spalding, West Point, and Wisner.

If you set up direct deposit, that fee drops to $7.99 per month. Plus, there’s no minimum balance requirement to worry about.

The account includes perks like online and mobile banking, free e-statements, and unlimited check writing. Their MoneyCentral platform makes it easy to manage your finances, create a budget, and track savings goals.

Central National Bank has one Nebraska location in Superior, and several in Kansas.

They offer several options, including Performance Checking, Advantage Checking, Simple Checking, and Prime Checking.

For a straightforward option, Simple Checking is a great choice. It has no minimum balance requirement and comes with a low $3 monthly fee.

You’ll need a $100 initial deposit to open the account, but it offers cash back rewards, adding a competitive edge.

First Nebraska Bank has branches in several cities, including Arcadia, Bennet, Brainard, Columbus, Decatur, Elkhorn, Emerson, Nebraska City, Stanton, Valley, and Weeping Water.

Their most popular option is the Cash Back Banking account, which requires a $100 minimum deposit to open.

There’s no minimum balance, and the $6 monthly fee can be reduced by $0.25 for each debit card transaction you make. If you use your debit card at least 24 times a month, the fee can be completely waived.

The account comes with free features like a debit card, bill pay, e-statements, online banking, and mobile banking with remote check deposit.

Heritage Bank has branches in several Nebraska cities, including Broken Bow, Grand Island, Hastings, Kearney, Loup City, Neligh, Norfolk, Orleans, Red Cloud, St. Paul, Stromsburg, and Wood River.

Their most basic option is Simple Checking, which comes with no monthly maintenance fee, no minimum deposit, and no minimum balance requirement.

It’s a straightforward account that includes a free debit card, unlimited check writing, and features like online banking, bill pay, and e-statements.

Additional perks include a monthly shred day at the credit union, and depending on your history, you may qualify for overdraft protection. To become a member, you need to live, work, worship, or attend school in one of these Nebraska counties: Buffalo, Dawson, Hall, Kearney, or Phelps.

Trius Federal Credit Union has branches in Kearney, Lexington, and Grand Island, Nebraska.

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

Clear Access Banking comes with a $5 monthly fee, 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 offers features like online bill pay and mobile banking. You’ll also have access to over 13,000 Wells Fargo ATMs, allowing you to manage your money conveniently as you rebuild your banking record.

Wells Fargo has branches in several Nebraska cities, including Alliance, Bellevue, Grand Island, Hastings, Kearney, Lincoln, Norfolk, North Platte, Omaha, and Papillion.