Banks That Don’t Use ChexSystems in Nevada

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.

To open the account, you’ll need to deposit and maintain $50 in a savings account, along with a $50 initial deposit in your checking account.

After successfully managing the account for 12 months, you can upgrade to a fee-free option. There are several ways to qualify for membership, including living, working, or supporting specific non-profits in Clark County, Henderson, Las Vegas, or North Las Vegas.

Clark County Credit Union has branches in Henderson, Las Vegas, and North Las Vegas.

After successfully maintaining the account for 12 months, you can transition to Free Checking or High Yield Checking.

Perks include direct deposit with early pay, a Visa debit card, mobile deposits, online bill pay, and a tool to round up purchases for savings. You can also access CU1’s Financial Wellbeing platform, which offers personalized money management tips and financial education.

Credit Union 1 has a branch in Henderson, Nevada.

To open an OnBudget Banking account, you’ll need a $50 deposit and pay a $5 monthly fee.

If you opt for paper statements, there’s a $2.50 monthly charge, but it can be waived if you enroll in online banking and choose e-statements. You can apply for the account either online or in person.

Nevada State Bank has branches in several Nevada cities, including Carson City, Elko, Las Vegas, Pahrump, Reno, and Sparks.

With a low $25 opening deposit and a $4 monthly fee, the account provides access to essential services like online and mobile banking, person-to-person payments, and no overdraft fees.

You can later upgrade to a traditional account after building a positive history.

WaFd Bank has branches in several Nevada cities, including Elko, Ely, Fallon, Fernley, Las Vegas, Mesquite, and North Las Vegas.

Clear Access Banking has a $5 monthly fee, which is waived if the primary account holder is between 13 and 24 years old.

You can open the account with a $25 minimum deposit and access features like online bill pay and mobile banking. You’ll also have free access to over 13,000 Wells Fargo ATMs, making it easy to manage your money while rebuilding your banking record.

Wells Fargo has branches in several Nevada cities, including Boulder City, Carson City, Elko, Fallon, Gardnerville, Henderson, Las Vegas, North Las Vegas, Pahrump, and Reno.

The account comes with several perks, including unlimited check writing, a debit MasterCard, direct deposit, and access to online and mobile banking. Overdraft protection is also available.

After maintaining a positive balance for 12 consecutive months, you can upgrade to Simple Checking, which has no monthly fees.

To qualify for membership, you must work for a company licensed for gaming by the State of Nevada or be an employee of a qualifying company. WestStar Credit Union has branches in Las Vegas and Reno.