Are you trying 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
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.
Aspiration
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.
Current
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 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.
Clark County Credit Union
on Clark County CU's secure website
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 a number of 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
on Idaho Central's secure website
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
on Wells Fargo's secure website
For second chance checking from a national bank, you can apply for Opportunity Checking from Wells Fargo. The account is made for people who have been denied a regular checking account because of their ChexSystems record.
It comes with all the perks of a regular account, including a debit card, check writing, online bill pay, and mobile banking.
Start with a $25 initial deposit for your account. Then, you’ll pay a $10 monthly fee, unless you get it waived with one of the following eligibility requirements:
- Use your debit card for 10+ transactions a month
- Receive $500+ in direct deposits each month
- Maintain a $1,500+ minimum daily balance.
They have branches located throughout much of Nevada, plus you can manage your account almost entirely online or through the mobile app.
WestStar Credit Union
on WestStar's secure website
You can apply for Fresh Start Checking from WestStar. There’s no minimum deposit required to open the account, but the monthly fee is a fairly steep $16.50 a month.
You do, however, 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.