Banks That Don’t Use ChexSystems in Nevada

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

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

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

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

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’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 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.