Banks That Don’t Use ChexSystems in North Dakota

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $400 when you set up qualifying direct deposits.

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 47,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

Their most basic option, American Free Checking, has no monthly fee, no minimum balance requirement, and offers unlimited check writing.

You’ll also get a debit card, free direct deposit, online banking, bill pay, and 16 free checks when you open your account.

American Federal Bank has multiple locations, including Fargo, Grand Forks, Northwood, and Wahpeton.

Their Simple Checking account is free with no monthly fee or minimum balance requirement. You’ll also get free features like a debit card, online banking, mobile banking with check deposit, and bill pay.

Capital Credit Union has locations in Bismarck, Mandan, Fargo, Flasher, Beulah, Hazen, and New Salem. To become a member, you must live within 50 to 75 miles of one of these branches.

If not, you can start with a savings account and then open a checking account after six months.

They offer several checking options, including Free, Now, Relationship, Relationship+, Student, and Money Market. For a simple option, Dakota Free Checking is a great choice.

Once approved, you’ll receive a free check card, unlimited check writing, and no minimum balance requirement. You can also earn interest on the account.

Dakota Community Bank has branches in Bismarck, Bowman, Dickinson, Glen Ullin, Hebron, Lincoln, Mandan, Mobridge, New Leipzig, Richardton, and Taylor.

They offer two checking options: Kasasa Cash and Kasasa Cash Back.

The Kasasa Cash Back account has no monthly fee, no minimum balance, and allows you to earn 3% cash back on debit card purchases (up to $7.50 per month). You can also link this account to a Kasasa Saver savings account.

To join, you must live within a 75-mile radius of their home office in Edgeley or qualify as an immediate family member of an existing member.

Dakota Plains has branch locations in Bison, Faith, Hettinger, Lemmon, and Pierre.

With five checking options available, E-Z Checking is a popular choice, offering no monthly service fees, no minimum balance, and no minimum opening deposit.

To be eligible for membership, you must live within specific location parameters, such as a 75-mile radius of Jamestown, Devils Lake, or Portland, or within a 50-mile radius of other cities in North Dakota.

First Community has branches in the following North Dakota cities: Bismarck, Devils Lake, Fargo, Grand Forks, Hankinson, Jamestown, Larimore, Mandan, Oakes, and Wahpeton.

There are multiple checking account options, and Totally FREE Checking is the simplest to maintain.

After an initial $50 deposit, there is no minimum balance requirement or monthly fee. Additional features include an instant debit card, online and mobile banking, Popmoney, and a money management tool.

You also receive $25 when bringing in your check card and unused checks from another institution, along with a free gift when you open an account and refer a friend.

Gate City Bank has locations in Bismarck, Carrington, Devils Lake, Dickinson, Fargo, Grand Forks, Hettinger, Jamestown, Mandan, Minot, and more throughout North Dakota.

To get started, you must open a member share savings account and maintain a $5 balance. Each checking account comes with a Visa debit card.

To become a member, you must live within a 75-mile radius of their Kulm office or within a 50-mile radius of their Hazelton office.

Hometown CU has branches in Ashley, Lincoln, and Medina.

Once approved, you can choose from Perks, Progress, or Premium Checking, which are based on your average daily balance.

Perks Checking is ideal if your balance is less than $300, and you may also qualify for courtesy pay and overdraft protection with credit approval.

This account comes with a free debit card, online banking with bill pay, and no monthly fees or minimum balance.

You can become a member if you live within a 75-mile radius of Minot, or within a 50-mile radius of Kenmare, Fargo, or Moorhead.

Branches are located in Fargo, Kenmare, Minot, Stanley, and West Fargo.

You can choose between Basic Checking or Advantage Checking, both of which come with no minimum balance, unlimited check writing, online bill pay, and a MasterCard debit card.

Advantage Checking, which costs $3.95 per month, also includes identity theft protection.

To qualify for membership, you must live within a 75-mile radius of United Savings’ Fargo branch.

You can choose from four checking accounts, including Free Checking, which has no monthly fees or minimum balance requirements.

This account comes with a debit card, check writing, and online and mobile banking. Additionally, all accounts include free identity theft protection.

Western State Bank has branch locations in Devils Lake, Fargo, and West Fargo.