Nevada’s unbanked population is on the rise, causing more individuals to rely on prepaid debit cards. If you can’t get approved for a bank account, it may because of your record in ChexSystems. Similar to a credit report, your ChexSystems record is viewed by most banks as part of the application process. When you have negative items on there based on your past account management, you could be denied.
Red-flag items include too many overdrafts, non-sufficient funds, or unpaid fees at past banks. But just because you’ve had financial mistakes in your past doesn’t mean you can’t qualify for a checking account and get rid of inconvenient tools like prepaid debit cards.
With a real checking account, you can rebuild your banking history and could even take advantage of perks like a debit card, check writing, online banking, and mobile check deposit. It’s worth taking the time to find a bank or credit union that offers checking accounts to individuals regardless of their previous mishandling of their finances.
Check out our full list of second chance checking accounts and credit unions or banks that don’t use ChexSystems in Nevada.
The ClearConnect Checking account from BBVA Compass doesn’t require any kind of ChexSystems review. It’s an easy account to get approved for, and it’s entirely online so it doesn’t matter where you live in Nevada.
To open the account, you just need to start with a $25 deposit. Once you’ve done that, there’s no monthly service fee or minimum balance. If you like hard copies, you do have to pay a $3 monthly fee for paper statements but you can opt out of that and just get free e-statements.
For a free account, you do get quite a few perks from BBVA Compass, including a free Visa debit card, online and mobile banking, and free ATM access at over 55,000 machines nationwide. You can also sign up for a cash back rewards program that earns you money each time you swipe your debit card.
Chime Bank is another online option available in Nevada. They offer second chance checking that is completely managed through their comprehensive mobile app. You can expect to receive daily balance alerts, making it easy to keep track of how much money you have in your account. Also, keep an eye on your spending with transaction alerts.
Another benefit with Chime’s account is that there are no monthly fees and there’s no minimum balance you need to keep. It also comes with direct deposit and your funds could be available to you up to two days faster than usual.
You can also sign up for a free savings account that’s linked to checking for an easy opportunity to save. When you need cash, simply head to a MoneyPass or Visa Plus Alliance ATM. You won’t get physical checks with this account, but you can have a paper check sent from your account through the app.
You can get a second chance checking account from Clark County Credit Union 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 opening deposit in your checking account.
After 12 months of successfully managing your account, you can upgrade to a fee-free account with Clark County Credit Union. There are a number of ways to qualify for membership at Clark County Credit Union 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 Credit Union. That’s good because they’re a non-ChexSystems credit union that only uses a 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 offers a flexible checking account 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.
For a second chance checking account 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. Opportunity Checking comes with all the perks of a regular checking 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.
Wells Fargo branches are located throughout much of Nevada, plus you can manage your account almost entirely online or through the mobile app.
You can apply for Fresh Start Checking from WestStar Credit Union. 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 the free Simple Checking account.
To become a WestStar Credit Union 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.