Struggling to open a checking account in Nevada due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in Nevada
We’ve compiled a comprehensive list of Nevada banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
Clark County offers second chance checking called Check Again. There’s a $12 monthly fee, but it comes with all the usual banking perks you’d expect from a regular account, including a debit card, online and mobile banking, and monthly e-statements.
To get the account, you have to deposit and maintain $50 in a savings account. You’ll need another $50 as an initial deposit in your checking account.
After 12 months of successfully managing your account, you can upgrade to a fee-free account. There are numerous ways to qualify for membership by either working or supporting specific non-profit organizations in Clark County, Henderson, Las Vegas, or North Las Vegas.
Don’t let the name fool you: if you live or work in Jackpot, Nevada, you can qualify for membership with Idaho Central.
They do not use ChexSystems but instead pull your credit report to approve new accounts.
Their checking options include Free Checking, Go Green! Checking, Money Market Checking, Starter Checking, and Classic Checking.
Free Checking truly is fee-free and you don’t have to worry about maintaining a certain minimum balance in your account. You can get an instant-issue Visa debit card, so you can start using your account right away after applying in a branch.
The account also comes with online banking and free Mobile Wallet for Google Pay, Samsung Pay, and Apple Pay.
ON NEVADA STATE BANK’S SECURE WEBSITE
Nevada State Bank offers flexible checking called OnBudget Banking. There are a few restrictions, including no check writing or overdraft protection available. You can, however, take advantage of a debit card, Pop Money, online banking, and mobile check deposit.
To open an OnBudget Banking account, you’ll need a $50 opening deposit, plus pay a monthly fee of $5. There’s a $2.50 monthly fee for paper statements, but that drops off when you enroll in online banking and receive e-statements.
You can apply for this account online or in person. Nevada State Bank has branches throughout the state.
If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.
This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.
There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.
You can apply for Fresh Start Checking from WestStar. There’s no minimum deposit required to open the account, but the monthly fee is $16.50 a month.
You get access to several benefits, including unlimited check writing, a debit MasterCard, direct deposit, online and mobile banking, plus overdraft protection.
After you’ve kept a positive balance for 12 consecutive months, you can upgrade to Simple Checking which is a free account.
To become a member, you must be an employee of a qualifying company or any company that is licensed for Gaming by the State of Nevada. Branches are located in Las Vegas and Reno.
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.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia