Banks That Don’t Use ChexSystems in Nebraska

Have you tried 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.

Chime

Our Top Pick
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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 has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no 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.

You can see why Chime is our #1 choice.

Chase

Our Second Pick
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Features & Benefits

  • No credit check or ChexSystems
  • $100 bonus after 10 purchases in 60 days
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

Current

Our Third Pick
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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.

U.S. Bank

U.S. Bank is offers the Smartly™ Checking account, which is currently available in 26 states across the United States.

If you live in one of the following 26 states where this account is available, you can apply online: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY.

You can earn up to $300 when you open a new Smartly™ Checking account and a Standard savings account, and complete qualifying activities. This offer is valid through February 28, 2023, and subject to certain terms and limitations.

The Smartly™ 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.

Axos Bank

The Rewards Checking account from Axos Bank is an excellent choice for those looking for a bank account with no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and cash back rewards.

With this account, you can earn up to 1.25% APY and enjoy up to a $100 Welcome Bonus. Additionally, you’ll have access to unlimited free mobile deposits and your funds will be FDIC insured up to $250,000.

There are no overdraft fees or non-sufficient fund fees to worry about, and no minimum balance requirements.

All you need is a $50 deposit to open the account, and Axos Bank doesn’t use ChexSystems or pull your credit report to open your account.

Adams County Bank

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.

Aspiration

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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.

Bruning State Bank

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.

Butte State Bank

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.

Citizens State Bank

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.

Central National Bank

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.

Citizens Bank and Trust

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.

Farmers State Bank

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.

First Nebraska Bank

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.

Heritage Bank

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.

Trius Federal Credit Union

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

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

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.

7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.