Are you trying to open a checking account in Nebraska, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Nebraska 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 Nebraska

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


Our Top Pick
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on Chime's secure website

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

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit 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 charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Aspiration's secure website

Aspiration’s Spend & Save Account 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.

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Our Third Pick
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on Current's secure website

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 banking account includes fee-free overdraft protection of up to $100. You 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.

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Adams County Bank

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on Adams County Bank's secure website

You just need a valid form of ID to open an account with Adams County Bank. They three separate checking options to choose from E-Checking, Regular Checking, and Super Now Checking.

The E-Checking account comes with the lowest balance threshold of $500 to avoid the monthly fee. If your balance drops below that, you’ll pay $3 per month, plus $0.30 for each debit over the first 30.

There are also several savings account options to choose from. Adams County Bank can be found at two branch locations in Nebraska: Kenesaw and Juniata.

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Bank of Doniphan

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on Bank of Doniphan's secure website

Bank of Doniphan reviews your credit report instead of your ChexSystems record for approval. There are three options available, with the most basic option being Simply Free Checking. There’s no minimum balance required. To get started, you just need a $50 deposit.

If you keep at least $300 in your account, there’s no monthly fee. If your balance drops below that threshold, however, you’ll have to pay an $8 monthly maintenance fee.

This account also comes with unlimited check writing, a Visa check card, and overdraft protection. You’ll find Bank of Doniphan locations in Doniphan, Hastings, and Grand Island, Nebraska.

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Bruning State Bank

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on Bruning State Bank's secure website

Bruning State Bank runs a credit check to approve new applications for accounts. The three options include Country Free, Country Plus Interest, and Country Gold.

Take a look at the Country Free account, which comes with a free ATM card or Visa debit card. There’s no monthly charge, nor is there a minimum balance requirement. You do, however, need a minimum deposit of $50 to get started.

Other perks include unlimited check writing, free online and mobile banking, bill pay, and ATM access at BSB machines. You must keep your account active, otherwise, you’ll be subject to a $5 monthly fee after 12 months of inactivity. Locations include Bruning, Hebron, Broken Bow, Holdrege, and Kearney, Nebraska.

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Butte State Bank

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on Butte State Bank's secure website

Butte State only requires a credit check to approve new applicants. You can choose from Primary, Prime, and Premier Checking accounts. The Primary account has no monthly service fee if you keep your balance at $500 or higher.

They’ll also process 20 checks for free with this account and each additional one comes with a $0.15 charge. If you’re a full-time student or 65 years or older, you won’t pay any fees at all.

All accounts come with a MasterCard debit card. You can manage your debit card with the CardValet app, which offers transaction alerts and can turn off your card if it’s lost or stolen. To find a Butte State Bank, visit one of their North Dakota branches in Butte, Naper, or Spencer.

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Citizens State Bank

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on Cass County State Bank's secure website

Instead of ChexSystems, Cass County State uses Telecheck to evaluate new applicants. They have five different options for checking.

The standard account is called Dream Builders Plus. You’ll need an opening balance of $100, but there’s no monthly maintenance fee. You can earn interest if you do keep your balance above $300.

They offer standard online banking features such as bill pay and mobile banking. You can also use Popmoney for person-to-person payments. Two branch locations can be found in Plattsmouth, Nebraska.

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Central National Bank

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on Central National Bank's secure website

You can qualify for a second chance account called New Opportunity Checking at Central National Bank. The minimum deposit is just $30 and you’ll pay a monthly fee of $9.99. If you enroll in direct deposit, you can get that lowered to $7.99 a month. Plus, there’s no minimum balance you need to meet.

Perks include online and mobile banking, free e-statements, and unlimited check writing. Their online platform, MoneyCentral, helps you manage your finances better by creating a budget and tracking your savings goals. Central National Bank has Nebraska branches in Omaha, Lincoln, and Superior.

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Citizens Bank and Trust

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on Citizens Bank and Trust's secure website

To qualify for an account at Citizens Bank and Trust, you’ll need to forms of identification. This non-ChexSystems bank offers multiple checking account options. Try the Budget account, which requires a $50 initial deposit and no minimum balance.

Plus, there’s no monthly maintenance fee to worry about. If you use the account for more than 30 debits in a monthly cycle, you do have to pay $0.25 for each additional transaction. You can’t receive images of canceled checks with this account.

Citizens Bank and Trust has three branch locations. They can be found in Central City, Loup City, and St. Paul, Nebraska.

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Farmers State Bank

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on Farmers State Bank's secure website

Instead of ChexSystems, Farmers State uses Telecheck to determine eligibility for a checking account. There are four options available: Free Kasasa Cash Checking, Free Kasasa Cash Back Checking, Check Point Free Checking, and Checking Plus.

The simplest option is Check Point Free Checking, which has no monthly maintenance fee or minimum balance. It does, however, require a $100 minimum deposit to get started.

You get your first box of checks for free with this account, plus unlimited monthly transactions and digital banking services. These include online banking and bill pay, mobile banking and deposit, and online statements.

Locations in Nebraska include Dodge, Bridgeport, Alliance, Chadron, Spencer, Atkinson, and Carroll.

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First Nebraska Bank

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on First Nebraska Bank's secure website

You’ll need a minimum credit score of 600 to qualify for checking with First Nebraska Bank. Options include Performance Checking, Advantage Checking, Simple Checking, and Prime Checking.

To get started, consider Simple Checking, which comes with no minimum balance and a low monthly fee of $3. You do need $100 to deposit into your account at the beginning. But you can get cash back rewards benefits with this account, which gives it a competitive edge.

First Nebraska Bank has ten branch locations throughout the state. They can be found in Emerson, Stanton, Decatur, Arcadia, Columbus, Valley, Brainard, Weeping Water, Bennet, and Nebraska City. Online banking is also available and includes Popmoney, mobile deposit, and more.

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Heritage Bank

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on Heritage Bank's secure website

Heritage Bank uses a simple credit check to evaluate new applications, rather than performing a ChexSystems review. Once approved, you can choose from several checking account options.

Their most popular account is Cash Back Banking. The minimum deposit is $100, but there’s no minimum balance required. The account comes with a $6 monthly fee, but you can get it reduced by $0.25 for each debit card transaction you post every month. So, if you use your debit card at least 24 times, your monthly fee could be completely waived.

Your debit card is free with this account, as is bill pay, e-statements, and online banking. You also get mobile banking, which comes with remote check deposit.

Find a Heritage Bank branch in Aurora, Broken Bow, Doniphan, Grand Island, Hastings, Kearney, Lincoln, Loup City, Neligh, Orleans, Red Cloud, St. Paul, Stromsburg, and Wood River.

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Trius Federal Credit Union

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on Trius FCU's secure website

Trius Federal requires a credit check rather than a ChexSystems review. There are a few different checking options, with the most basic being Simple Checking.

There’s no monthly maintenance fee, nor is there a required minimum deposit or minimum balance. It’s extremely easy to get started with this account. Plus, it comes with a free debit card and unlimited check writing.

Other benefits include online banking and bill pay, e-statements, and a monthly shred day at Trius Federal Credit Union. Depending on your history, you may also be eligible for overdraft protection. To become a member, you must live, work, worship, or attend school in one of these Nebraska counties:

  • Buffalo
  • Dawson
  • Hall
  • Kearney
  • Phelps
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