Banks That Don’t Use ChexSystems in Nevada

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

Take a look at this comprehensive list of banks and credit unions in Nevada 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
LetMeBank’s rating
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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 $600 when you open a new Smartly™ Checking account and a Standard savings account, and complete qualifying activities. This offer is valid through February 7, 2023.

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

Axos Bank doesn’t use ChexSystems or pull your credit report.

The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.

You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.

There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.

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.

Clark County Credit Union

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.

Idaho Central Credit Union

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.

Nevada State Bank


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.

Wells Fargo

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.

WestStar Credit Union

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.