Banks That Don’t Use ChexSystems in Nebraska

U.S. Bank is now inviting new customers to take advantage of a special online promotion:

• Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through December 30, 2024. Member FDIC.
• Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

The checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

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 4.14% 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.

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 4.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

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.

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 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.

These accounts offer competitive interest rates, with the potential to earn up to 3.50% 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.

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.

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.

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.

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.